# EDGAR Filing Document

**Accession Number:** 0002041716
**File Stem:** 0001999371-26-000089
**Filing Date:** 2026-1
**Character Count:** 2170719
**Document Hash:** c4e42917222cbe6538a08fc40aeaa3a8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-000089.hdr.sgml**: 20260102

**ACCESSION NUMBER**: 0001999371-26-000089

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20260102

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

**FILED AS OF DATE**: 20260102

**DATE AS OF CHANGE**: 20260102

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF II RESI O4B-24A, LLC
- **CENTRAL INDEX KEY:** 0002041716

**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:** 025-07405
- **FILM NUMBER:** 26502987

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF II RESI O4B-24A, LLC
- **CENTRAL INDEX KEY:** 0002041716

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of depositor: **<u>0002041716</u>**

 **HOMES 2026-NQM1 TRUST**

------

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Thomas C. Griffin III, Authorized Signatory, (212) 710-2184

------

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**<u>Exhibits</u>**

---

| | |
|:---|:---|
| 99.1 | AMC Diligence, LLC ("AMC") – Executive Summary |
|  | Schedule 1 – AMC Data Compare Report |
|  | Schedule 2 – AMC Exception Grades Report |
|  | Schedule 3 – AMC Rating Agency Grades Report |
|  | Schedule 4 – AMC Valuation Summary Report |
| 99.2 | Canopy Financial Technology Partners, LLC ("Canopy") – Narrative |
|  | Schedule 1 – Canopy Data Compare Report |
|  | Schedule 2 – Canopy Rating Agency Grades Detail Report |
|  | Schedule 3 – Canopy Rating Agency Grades Summary Report |
|  | Schedule 4 – Canopy Valuation Report |
| 99.3 | Clarifii LLC ("Clarifii") – Executive Summary |
|  | Schedule 1 – Clarifii ATR QM Report |
|  | Schedule 2 – Clarifii Data Compare Report |
|  | Schedule 3 – Clarifii Rating Agency Grades Detail Report |
|  | Schedule 4 – Clarifii Rating Agency Grades Summary Report |
|  | Schedule 5 – Clarifii Valuation Report |
| 99.4 | Clayton Services LLC ("Clayton") – Narrative |
|  | Schedule 1 – Clayton Conditions Report |
|  | Schedule 2 – Clayton Loan Level Tape Compare |
|  | Schedule 3 – Clayton Non-ATR QM Upload |
|  | Schedule 4 – Clayton Valuations Summary Report |
|  | Schedule 5 – Clayton Waived Conditions Report |
| 99.5 | Consolidated Analytics, Inc. ("CA") – Executive Summary |
|  | Schedule 1 – CA Data Compare Report |
|  | Schedule 2 – CA Due Diligence Standard Report |
|  | Schedule 3 – CA Rating Agency Grades Summary Report |
|  | Schedule 4 – CA Valuations Summary Report |
| 99.6 | Evolve Mortgage Services, LLC ("Evolve") – Executive Summary |
|  | Schedule 1 – Evolve Data Compare Report |
|  | Schedule 2 – Evolve Exception Detail Report |
|  | Schedule 3 – Evolve QM ATR Data Report |
|  | Schedule 4 – Evolve Rating Agency Grades Report |
|  | Schedule 5 – Evolve Valuation Report |
| 99.7 | Selene Diligence LLC ("Selene") – Narrative |
|  | Schedule 1 – Selene Data Compare Report |
|  | Schedule 2 – Selene Rating Agency Grades Summary Report |
|  | Schedule 3 – Selene Standard Findings Report |
|  | Schedule 4 – Selene Supplemental Data Extract |
|  | Schedule 5 – Selene Valuation 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.

---

| | | |
|:---|:---|:---|
|  | **APF II RESI O4B-24A, LLC** | **APF II RESI O4B-24A, LLC** |
|  | By: | Ares Alternative Credit Management LLC, its manager |
| Date: January 2, 2026 | By: | /s/ Thomas C. Griffin III |
|  |  | Name: Thomas C. Griffin III<br>Title: Authorized Signatory |

---

**EXHIBIT INDEX**

**<u>Exhibit Number</u>**

---

| | |
|:---|:---|
| 99.1 | [AMC Diligence, LLC ("AMC") – Executive Summary](ex99-1.htm) |
|  | [Schedule 1 – AMC Data Compare Report](ex99-1s1.htm) |
|  | [Schedule 2 – AMC Exception Grades Report](ex99-1s2.htm) |
|  | [Schedule 3 – AMC Rating Agency Grades Report](ex99-1s3.htm) |
|  | [Schedule 4 – AMC Valuation Summary Report](ex99-1s4.htm) |
| 99.2 | [Canopy Financial Technology Partners, LLC ("Canopy") – Narrative](ex99-2.htm) |
|  | [Schedule 1 – Canopy Data Compare Report](ex99-2s1.htm) |
|  | [Schedule 2 – Canopy Rating Agency Grades Detail Report](ex99-2s2.htm) |
|  | [Schedule 3 – Canopy Rating Agency Grades Summary Report](ex99-2s3.htm) |
|  | [Schedule 4 – Canopy Valuation Report](ex99-2s4.htm) |
| 99.3 | [Clarifii LLC ("Clarifii") – Executive Summary](ex99-3.htm) |
|  | [Schedule 1 – Clarifii ATR QM Report](ex99-3s1.htm) |
|  | [Schedule 2 – Clarifii Data Compare Report](ex99-3s2.htm) |
|  | [Schedule 3 – Clarifii Rating Agency Grades Detail Report](ex99-3s3.htm) |
|  | [Schedule 4 – Clarifii Rating Agency Grades Summary Report](ex99-3s4.htm) |
|  | [Schedule 5 – Clarifii Valuation Report](ex99-3s5.htm) |
| 99.4 | [Clayton Services LLC ("Clayton") – Narrative](ex99-4.htm) |
|  | [Schedule 1 – Clayton Conditions Report](ex99-4s1.htm) |
|  | [Schedule 2 – Clayton Loan Level Tape Compare](ex99-4s2.htm) |
|  | [Schedule 3 – Clayton Non-ATR QM Upload](ex99-4s3.htm) |
|  | [Schedule 4 – Clayton Valuations Summary Report](ex99-4s4.htm) |
|  | [Schedule 5 – Clayton Waived Conditions Report](ex99-4s5.htm) |
| 99.5 | [Consolidated Analytics, Inc. ("CA") – Executive Summary](ex99-5.htm) |
|  | [Schedule 1 – CA Data Compare Report](ex99-5s1.htm) |
|  | [Schedule 2 – CA Due Diligence Standard Report](ex99-5s2.htm) |
|  | [Schedule 3 – CA Rating Agency Grades Summary Report](ex99-5s3.htm) |
|  | [Schedule 4 – CA Valuations Summary Report](ex99-5s4.htm) |
| 99.6 | [Evolve Mortgage Services, LLC ("Evolve") – Executive Summary](ex99-6.htm) |
|  | [Schedule 1 – Evolve Data Compare Report](ex99-6s1.htm) |
|  | [Schedule 2 – Evolve Exception Detail Report](ex99-6s2.htm) |
|  | [Schedule 3 – Evolve QM ATR Data Report](ex99-6s3.htm) |
|  | [Schedule 4 – Evolve Rating Agency Grades Report](ex99-6s4.htm) |
|  | [Schedule 5 – Evolve Valuation Report](ex99-6s5.htm) |
| 99.7 | [Selene Diligence LLC ("Selene") – Narrative](ex99-7.htm) |
|  | [Schedule 1 – Selene Data Compare Report](ex99-7s1.htm) |
|  | [Schedule 2 – Selene Rating Agency Grades Summary Report](ex99-7s2.htm) |
|  | [Schedule 3 – Selene Standard Findings Report](ex99-7s3.htm) |
|  | [Schedule 4 – Selene Supplemental Data Extract](ex99-7s4.htm) |
|  | [Schedule 5 – Selene Valuation Report](ex99-7s5.htm) |

---

## Exhibit 99.1

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by APF II Resi O4B, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from November 2024 through July 2025 on Loans with origination dates from November 2024 through July 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained fifty-five (55) Loans totaling an aggregate original principal balance of approximately $31.044 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and S&P Global Ratings ("S&P").

**(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 mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |  |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original LTV |  |

---

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

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

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified

1 \| P a g e

![](ex991001.jpg)

Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**<u>CREDIT AND COMPLIANCE SCOPE:</u>**

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex991001.jpg)

property specific items including, for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex991001.jpg)

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

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

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

▪ Gathering
 the components of the DSCR from source documentation provided in the loan file during
 the course of the review. Where applicable, AMC sums per the guidelines the principal
 and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly
 property expense. This number is used as the denominator to the monthly lease or estimated
 lease income as per the guidelines.

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent Roll\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**(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, (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and

4 \| P a g e

![](ex991001.jpg)

that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

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;

5 \| P a g e

![](ex991001.jpg)

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

&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

6 \| P a g e

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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;

7 \| P a g e

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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>*

8 \| P a g e

![](ex991001.jpg)

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

---

| | |
|:---|:---|
| 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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

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

---

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

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

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

9 \| P a g e

![](ex991001.jpg)

*<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**

10 \| P a g e

![](ex991001.jpg)

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

11 \| P a g e

![](ex991001.jpg)

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 NRSROs listed in the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

Of the fifty-five (55) Loans reviewed, all fifty-five (55) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp; **Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &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;**55** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY** 

Thirty-three (33) Loans are DSCR loans and will not have a compliance grade. Of the twenty-two (22) Loans reviewed for compliance, all twenty-two (22) Loans or (100%) received an "A" or "B" compliance grade.

12 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.09% |
| &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;**22** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All fifty-five (55) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;85.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;14.55% |
| &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;**55** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All fifty-five (55) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &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;**55** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |

---

13 \| P a g e

![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property – Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**14** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the fifty-five (55) Loans reviewed, thirty-nine (39) unique Loans had a total of seventy-two (72) different tape discrepancies across eighteen (18) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Subject Debt Service Coverage Ratio and Representative FICO, where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%<br> Variance** | **# Of <br> Loans** |
| # of Units | 0 | 55 | 0.00% | 55 |
| Amortization Term | 0 | 13 | 0.00% | 55 |
| Amortization Type | 0 | 53 | 0.00% | 55 |
| Appraised Value | 0 | 13 | 0.00% | 55 |
| Borrower First Name | 1 | 30 | 3.33% | 55 |
| Borrower Last Name | 20 | 53 | 37.74% | 55 |
| Borrower SSN | 0 | 13 | 0.00% | 55 |
| City | 0 | 55 | 0.00% | 55 |
| Coborrower First Name | 0 | 1 | 0.00% | 55 |
| Coborrower Last Name | 0 | 1 | 0.00% | 55 |
| Coborrower SSN | 0 | 1 | 0.00% | 55 |
| Contract Sales Price | 3 | 43 | 6.98% | 55 |
| First Payment Date | 0 | 2 | 0.00% | 55 |
| Has FTHB | 1 | 17 | 5.88% | 55 |
| Interest Only | 0 | 23 | 0.00% | 55 |
| Investor: Qualifying Total Debt Ratio | 3 | 14 | 21.43% | 55 |
| Lien Position | 0 | 32 | 0.00% | 55 |
| LTV Valuation Value | 2 | 42 | 4.76% | 55 |
| Margin | 2 | 2 | 100.00% | 55 |
| Maturity Date | 2 | 38 | 5.26% | 55 |
| MERS Min Number | 0 | 2 | 0.00% | 55 |
| Mortgage Type | 4 | 17 | 23.53% | 55 |
| Note Date | 4 | 23 | 17.39% | 55 |
| Occupancy | 0 | 55 | 0.00% | 55 |
| Original CLTV | 2 | 17 | 11.76% | 55 |
| Original Interest Rate | 1 | 55 | 1.82% | 55 |
| Original Loan Amount | 2 | 55 | 3.64% | 55 |
| Original LTV | 4 | 32 | 12.50% | 55 |

---

14 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| Original P&I | 0 | 36 | 0.00% | 55 |
| Original Term | 0 | 42 | 0.00% | 55 |
| Originator Application Date | 0 | 2 | 0.00% | 55 |
| PMI Coverage % | 0 | 10 | 0.00% | 55 |
| Property Type | 3 | 55 | 5.45% | 55 |
| Purpose | 0 | 55 | 0.00% | 55 |
| Refi Purpose | 0 | 12 | 0.00% | 55 |
| Representative FICO | 6 | 55 | 10.91% | 55 |
| State | 0 | 55 | 0.00% | 55 |
| Street | 0 | 55 | 0.00% | 55 |
| Subject Debt Service Coverage Ratio | 11 | 33 | 33.33% | 55 |
| Zip | 1 | 55 | 1.82% | 55 |
| **Total** | **72** | **1222** | **5.89%** | **55** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.18% | &nbsp;&nbsp;$30203672.00 | &nbsp;&nbsp;97.29% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$840000.00 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$31043672.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;25 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$15341430.00 | &nbsp;&nbsp;49.42% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;$3833250.00 | &nbsp;&nbsp;12.35% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;20 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;$8424942.00 | &nbsp;&nbsp;27.14% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.91% | &nbsp;&nbsp;$3444050.00 | &nbsp;&nbsp;11.09% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.18% | &nbsp;&nbsp;$29293672.00 | &nbsp;&nbsp;94.36% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$1750000.00 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;34 | &nbsp;&nbsp;61.82% | &nbsp;&nbsp;$21207026.00 | &nbsp;&nbsp;68.31% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;$1796250.00 | &nbsp;&nbsp;5.79% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.36% | &nbsp;&nbsp;$4826471.00 | &nbsp;&nbsp;15.55% |

---

15 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% | &nbsp;&nbsp;$435050.00 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;$2059875.00 | &nbsp;&nbsp;6.64% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% | &nbsp;&nbsp;$719000.00 | &nbsp;&nbsp;2.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;14 | &nbsp;&nbsp;25.45% | &nbsp;&nbsp;$12651446.00 | &nbsp;&nbsp;40.75% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;38 | &nbsp;&nbsp;69.09% | &nbsp;&nbsp;$17543805.00 | &nbsp;&nbsp;56.51% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;$848421.00 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31043672.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.1

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.1 - Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 12/8/2025 4:34:04 PM** | **Run Date - 12/8/2025 4:34:04 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redacted] | 1117009 |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| [Redacted] | 1117009 |  |  | Contract Sales Price |  | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1117009 |  |  | Maturity Date | 2055-06-01 | 2055-05-01 | Verified | Field Value reflects Maturity Date per the Note |
| [Redacted] | 1117008 |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| [Redacted] | 1117008 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1117008 |  |  | Maturity Date | 2055-06-01 | 2055-05-01 | Verified | Field Value reflects Maturity Date per the Note |
| [Redacted] | 1121321 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121321 |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.47 | Verified | Income $3,100 / PITIA $6,630.61 |
| [Redacted] | 1121378 |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.55 | Verified | $7500 rental income / $13,690.38 PITIA |
| [Redacted] | 1121378 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121322 |  |  | Representative FICO | 739 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121324 |  |  | Subject Debt Service Coverage Ratio | 0.76 | 0.77 | Verified | $4,522.13 PITIA/$3466 Income |
| [Redacted] | 1121345 |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.19 | Verified | Income $2,750 / PITIA $2,308.67 |
| [Redacted] | 1121345 |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121266 |  |  | Original CLTV | 54.83 | 50 | 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) |
| [Redacted] | 1121266 |  |  | Original LTV | 54.83 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121266 |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121266 |  |  | Subject Debt Service Coverage Ratio | 0.90 | 0.53 | Verified | Rent income $2.200/PITIA $4,152.03. |
| [Redacted] | 1121266 |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121266 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121514 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121264 |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Income$1,250/ PITIA$1,243.67 = 1.01 |
| [Redacted] | 1121573 |  |  | Subject Debt Service Coverage Ratio | 0.94 | 0.96 | Verified | $7599.86 PITIA / $7500 rents |
| [Redacted] | 1121573 |  |  | Representative FICO | 712 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121567 |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.38 | Verified | Rental income $6000.00/ PITIA $15,770.74 |
| [Redacted] | 1121234 |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121234 |  |  | Investor: Qualifying Total Debt Ratio | 26.3 | 39.11578 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121257 |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121257 |  |  | Representative FICO | 751 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121381 |  |  | Investor: Qualifying Total Debt Ratio | 37.89 | 35.42241 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121381 |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121381 |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121318 |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121318 |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121483 |  |  | Original LTV | 70 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121483 |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121483 |  |  | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121483 |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121483 |  |  | Original Interest Rate | 7.5 | 7.75 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121170 |  |  | Investor: Qualifying Total Debt Ratio | 42.19 | 47.52934 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1137399 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137352 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137349 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137351 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137414 |  |  | Note Date |  | [Redacted] | Verified | Bid Tape Field Value is not provided. |
| [Redacted] | 1137414 |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | Verified | Rounding Off |
| [Redacted] | 1137474 |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Rounded off. |
| [Redacted] | 1137474 |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1137474 |  |  | Representative FICO | 0 |  | Verified | Foreign National Borrower |
| [Redacted] | 1137474 |  |  | Note Date |  | [Redacted] | Verified | Bid Tape Field Value is not provided. |
| [Redacted] | 1137476 |  |  | Subject Debt Service Coverage Ratio | 1.55 | 1.08 | Verified | Lender used higher rent of $2300.00. No lease in file or listed on 1007. Used the provided market rent for the income in amount of $1600.00. |
| [Redacted] | 1137476 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137476 |  |  | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | 1137476 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1137391 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137364 |  |  | Property Type | PUD | Single Family Detached | Verified | Appraisal reflects property type as Single family detached. |
| [Redacted] | 1137470 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137379 |  |  | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | 1137379 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137371 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137462 |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1137462 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137370 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137353 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137400 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137377 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137469 |  |  | Representative FICO | 801 | 786 | Verified | Higher middle score between borrowers |
| [Redacted] | 1137403 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1137441 |  |  | Original LTV | 72.78 | 74.99962 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1137479 |  |  | Original LTV | 83.64 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1137479 |  |  | Representative FICO | 766 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1137479 |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.1

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redacted] | 1117008 |  | 33616250 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-02): [redacted] received LOA for survey fee requirement.<br>Buyer Comment (2025-04-30): investor memo | 05/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121321 |  | 33808634 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The articles of formation were not provided for [redacted] |  |  |  | Reviewer Comment (2025-03-10): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [redacted] ([redacted]): ATTACHED | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808637 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing was not provided. |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Buyer Comment (2025-03-06): Comment from [redacted] ([redacted]): Attached with the other condition | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808638 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution was not provided. |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Buyer Comment (2025-03-06): Comment from [redacted] ([redacted]): LLCs don't require corporate resolutions. | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808639 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The Employer Identification Number was not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Employer Identification Number (EIN). Exception cleared.<br>Seller Comment (2025-03-05): Comment from[redacted] ([redacted]): EIN # | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808640 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement was not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Operating Agreement. Exception cleared.<br>Seller Comment (2025-03-05): Comment from [redacted] ([redacted]): Please see the attached complete LLC docs | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808642 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-03-11): Field review received<br>Seller Comment (2025-03-11): Comment from [redacted]([redacted]): See attached<br>Reviewer Comment (2025-03-05): CDA shows as (Indeterminate) so this cannot be used as a secondary value.<br>Buyer Comment (2025-03-05): Comment from [redacted] ([redacted]): Please refer to Page [redacted]-[redacted] | 03/11/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121378 |  | 33808636 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The Articles of Organization/Formation was not provided. |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Buyer Comment (2025-03-06): Comment from [redacted] ([redacted]): Attached with the other condition | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| [Redacted] | 1121322 |  | 33808678 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing Business Purpose Certificate |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-11): Comment from [redacted] ([redacted]): BUSINESS PURPOSE | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1121322 |  | 33808680 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1121322 |  | 33808681 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-03-13): EIN received<br>Buyer Comment (2025-03-13): Comment from [redacted] ([redacted]): See attached EIN documentation and clear condition. | 03/13/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1121324 |  | 33808684 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing a copy of Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2025-03-13): Received, Clearing.<br>Seller Comment (2025-03-13): Comment from [redacted] ([redacted]): Please see EIN documentation to clear condition<br>Reviewer Comment (2025-03-12): [redacted] of guidelines states: Tax Identification Number is required.<br>Buyer Comment (2025-03-12): Comment from [redacted] ([redacted]): The EIN should be invalid condition, as our uw stated the articles of inc. and VOE items should be sufficient, and articles of incorporation is on pages [redacted]-[redacted] of [redacted]of the shipping packages and the VOE in [redacted]-[redacted]of [redacted]. Please let us know. | 03/13/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1121324 |  | 33808685 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-11): Comment from [redacted] ([redacted]): BUSINESS PURPOSE | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1121266 |  | 33808702 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash out seasoning requirements. Lender exception approved. Comp Factors: [redacted]% LTV,[redacted] months reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): Client elects to waive/regrade with compensating factors. |  |  | 03/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1121264 |  | 33808742 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-04-15): Received Replacement cost Estimator. Exception Cleared.<br>Seller Comment (2025-04-14): Comment from [redacted] ([redacted]): Attached is the RCE from the insurance agent - you will note that the policy number corresponds to the homeowners policy in the file. Per the insurance agent, the policy amount is sufficient to rebuild based on the insurance company's RCE - no increase of coverage is to be required.<br>Reviewer Comment (2025-04-07): As per guidelines, Hazard Insurance Coverage must be [redacted]% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than [redacted]% of the replacement cost value of the improvements as of the current property insurance policy effective date. Estimated Cost New as per Appraisal is $[redacted]. [redacted]% of Estimated Cost New = $[redacted] and coverage Amount is $[redacted]. Hence, there is shortfall of $[redacted]. Please provide Replacement Cost Estimator. Exception remains.<br>Seller Comment (2025-04-04): Comment from [redacted] ([redacted]): HOI coverage question.<br>Reviewer Comment (2025-03-30): Received Hazard Insurance Policy is same as the existing policy and there is shortfall of $[redacted]. Please provide updated Hazard Insurance Policy with sufficient coverage amount or provide Replacement Cost Estimator. Exception remains.<br>Seller Comment (2025-03-29): Comment from [redacted] ([redacted]): HOI | 04/15/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1121264 |  | 33808744 |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  | The credit report is dated [redacted] which is greater than [redacted] days prior to the note date of [redacted]. |  |  |  | Reviewer Comment (2025-04-07): Exception Approved as per Lender Exception Form. Hence, exception cleared.<br>Seller Comment (2025-04-04): Comment from [redacted] ([redacted]): We received a waiver on [redacted] for the credit report exceeding [redacted] days from [redacted]<br>Reviewer Comment (2025-03-30): Updated credit Report is not received. Please provide Credit Report dated no more than [redacted] ([redacted]) days prior to the note date. Exception remains.<br>Seller Comment (2025-03-29): Comment from [redacted] ([redacted]): [redacted] | 04/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1121257 |  | 33809010 |  |  | Credit | Title | Document Error | Title | Title Evidence of Title Search was used on a [redacted] lien. |  | Title commitment required. |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from[redacted] ([redacted]): [redacted] [redacted]: Please see the attached preliminary title commitment. | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121257 |  | 33809012 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121574 |  | 33809320 |  |  | 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 [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-10): Client elects to waive |  |  | 04/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | 1121574 |  | 33809321 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | 1121483 |  | 33809347 |  |  | 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 [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-10): Accepted as is. |  |  | 04/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | 1121170 |  | 33809412 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-13): Client exception received.<br>Seller Comment (2025-01-13): Comment from [redacted] ([redacted]) Please see attached approved exception request.<br>Reviewer Comment (2025-01-12): Considering the PITIA of $[redacted]\*[redacted] months, Total Reserves Required is $[redacted]. However, Assets Available for Reserves is $[redacted]. Please provide additional assets. Exception remains.<br>Seller Comment (2025-01-10): Comment from [redacted] ([redacted]): Please see attached.<br>Reviewer Comment (2025-01-10): Sent to requested email.<br>Buyer Comment (2025-01-10): Comment from [redacted] ([redacted]): Please email the document to [redacted]<br>Reviewer Comment (2025-01-10): Please advise where you want it emailed to. It can also be pulled from the [redacted] Portal.<br>Buyer Comment (2025-01-10): Comment from [redacted] ([redacted]): Can you please provide your Loan Asset Summary (LAS) report so we can verify how you arrived at your calculations?<br>Reviewer Comment (2025-01-08): We have captured all the accounts they listed on the attached as well as incorporated the Final CD into the accounting of funds. <br>Available reserves are $[redacted] and the required reserves are $[redacted]. We still have a shortage of $[redacted].<br>Seller Comment (2025-01-08): Comment from [redacted] ([redacted]): We understand that an exception from the buyer is required, but can you please confirm with my previous attachment (also attached here) that we are short $[redacted]? Thank you.<br>Reviewer Comment (2025-01-06): Reserves are still short based on final closing statement and PCCD. An exception approval from the buyer is required.<br>Seller Comment (2025-01-05): Comment from [redacted] ([redacted]): Please see attached.<br>Reviewer Comment (2024-12-09): An exception from the buyer of the loan would still be needed if short of [redacted] months reserves.<br>Seller Comment (2024-12-09): Comment from [redacted] ([redacted]): ive attached the final closing statement and my original figures were accurate being short $[redacted]<br> [redacted]mos res $[redacted]<br> Verified accts $[redacted] + proceeds $[redacted] (p/attached) = $[redacted]<br>This leaves only a $[redacted] shortage. Can this please be cleared?<br>Reviewer Comment (2024-12-02): We are using cash-out proceeds and [redacted] months PITIA would be $[redacted] and we currently have $[redacted] which still makes us short.<br>Buyer Comment (2024-12-02): Comment from [redacted] ([redacted]): [redacted] allows cash out to be used for reserves and that is the case with this loan, the cash out is being used for reserves. |  |  | 01/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121170 |  | 33809416 |  |  | 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 ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-13): Client exception received. |  |  | 01/13/2025 | 2 |  | B |  | B |  | B |  | B |  | B |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121170 |  | 33809415 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  |  |  |  |  | Reviewer Comment (2025-01-10): Received, Clearing.<br>Seller Comment (2025-01-09): Comment from [redacted] ([redacted]): Attached. | 01/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121170 |  | 33809413 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-01-13): Received, Clearing.<br>Seller Comment (2025-01-13): Comment from [redacted] ([redacted]): Please see attached approved exception request.<br>Reviewer Comment (2025-01-10): Please advise where you want it emailed to. It can also be pulled from the [redacted] Portal.<br>Buyer Comment (2025-01-10): Comment from [redacted] ([redacted]): Can you please provide your Loan Asset Summary (LAS) report so we can verify how you arrived at your calculations?<br>Reviewer Comment (2025-01-06): Reserves are still short based on final closing statement and PCCD. An exception approval from the buyer is required.<br>Seller Comment (2025-01-05): Comment from [redacted] ([redacted]): Please see attached.<br>Reviewer Comment (2024-12-02): We are using cash-out proceeds and [redacted] months PITIA would be $[redacted] and we currently have $[redacted] which still makes us short.<br>Buyer Comment (2024-12-02): Comment from [redacted] ([redacted]): [redacted] allows cash out to be used for reserves and that is the case with this loan, the cash out is being used for reserves. | 01/13/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1121170 |  | 33809414 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | File is short assets. |  |  |  | Reviewer Comment (2025-01-13): Received, Clearing.<br>Seller Comment (2025-01-13): Comment from [redacted] ([redacted]): Please see attached.<br>Reviewer Comment (2025-01-10): Please advise where you want it emailed to. It can also be pulled from the [redacted] Portal.<br>Buyer Comment (2025-01-10): Comment from [redacted] ([redacted]): Can you please provide your Loan Asset Summary (LAS) report so we can verify how you arrived at your calculations?<br>Reviewer Comment (2025-01-06): Reserves are still short based on final closing statement and PCCD. An exception approval from the buyer is required.<br>Seller Comment (2025-01-05): Comment from [redacted] ([redacted]): Please see attached.<br>Reviewer Comment (2024-12-02): We are using cash-out proceeds and [redacted] months PITIA would be $[redacted] and we currently have $[redacted] which still makes us short.<br>Buyer Comment (2024-12-02): Comment from [redacted] ([redacted]): [redacted] allows cash out to be used for reserves and that is the case with this loan, the cash out is being used for reserves. | 01/13/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | 1137352 |  | 34477131 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for trust. |  |  |  | Reviewer Comment (2025-08-12): Cleared with OFAC on Alert Summary.<br>Buyer Comment (2025-08-08): Fraud | 08/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1137352 |  | 34477132 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-12): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-08): exception |  |  | 08/12/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1137349 |  | 34477134 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing Statement provided is estimated and not the final. |  |  |  | Reviewer Comment (2025-04-29): clear<br>Buyer Comment (2025-04-25): Please see attached signed/stamped Final SS<br>Reviewer Comment (2025-04-24): Document received is not signed/stamped final by any party. A signed/stamped final or true and certified from settlement agent will be required for review.<br>Buyer Comment (2025-04-24): Please see attached Final SS | 04/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137351 |  | 34477138 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the borrowing business entity. |  |  |  | Reviewer Comment (2025-06-12): clear<br>Buyer Comment (2025-06-10): [redacted]-Please see attached Fraud reflecting OFAC search for borrowing entity | 06/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137351 |  | 34477139 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final executed HUD/Closing Statement. |  |  |  | Reviewer Comment (2025-06-12): clear<br>Buyer Comment (2025-06-10): [redacted]-FSS | 06/12/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137384 |  | 34477142 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing [redacted] month housing payment history. Letter of explanation states paid last [redacted] months in cash and no further documentation for a complete [redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-01): Please find exception attached. Thank you.<br>Buyer Comment (2025-07-01): Please see attached approved exception. Thank you.<br>Reviewer Comment (2025-07-01): Exception is not approved.<br>Buyer Comment (2025-06-30): Please find exception form attached. |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | D | B |  | [Redacted] | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1137384 |  | 34477143 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The first time investor guidelines require a [redacted] month housing history, which is not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-02): Please see approved exception uploaded. Thanks so much!<br>Reviewer Comment (2025-07-01): Exception is not approved.<br>Buyer Comment (2025-06-30): Please find exception form attached. |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | [Redacted] | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1137384 |  | 34477140 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Please find CPL attached. | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | D | B | D | B |  |  | A | A |  | N/A | No |
| [Redacted] | 1137476 |  | 34477147 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the foreign Certificate of Good Standing for the State of [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Cleared with credit memo stating that the Foreign Certificate of Good Standing is not required.<br>Buyer Comment (2025-08-04): No longer required per credit memo<br>Buyer Comment (2025-08-04): credit memo | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137450 |  | 34477170 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Final title policy is missing |  |  |  | Reviewer Comment (2025-06-05): clear<br>Buyer Comment (2025-06-04): Final | 06/05/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | [Redacted] | Investment | Purchase |  | B | A | B | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137391 |  | 34477173 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing complete [redacted] month mortgage history for borrower's primary residence. Date of last activity on credit report is [redacted] and subject loan closed [redacted]. Please provide evidence of [redacted], [redacted] and [redacted] mortgage payments. |  |  |  | Reviewer Comment (2025-08-19): Guidelines allow [redacted] with no restriction. System updated to reflect a [redacted] late payment in prior [redacted] months.<br>Buyer Comment (2025-08-18): program permits [redacted]; unable to provide any additional statement<br>Reviewer Comment (2025-08-12): Provide statements showing the due date of[redacted].<br>Buyer Comment (2025-08-08): [redacted] | 08/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137391 |  | 34477174 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | File is missing OFAC search for borrowing entity. |  |  |  | Reviewer Comment (2025-08-12): Cleared with alert summary.<br>Buyer Comment (2025-08-08): fraud summary | 08/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137364 |  | 34477182 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing HOA verification to confirm $[redacted] monthly fee which is not reflected on the appraisal. |  |  |  | Reviewer Comment (2025-08-06): Cleared with HOA bill.<br>Buyer Comment (2025-08-04): HOA | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137470 |  | 34477196 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-08): cleared with fraud report<br>Buyer Comment (2025-08-06): Fraud summary<br>Reviewer Comment (2025-08-04): OFAC for borrowing entity not received and is not reflected on fraud report.<br>Buyer Comment (2025-07-31): see attached fraud report | 08/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137470 |  | 34477195 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-08-04): Received<br>Buyer Comment (2025-07-31): see attached fraud reports | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137470 |  | 34477193 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-08-04): Fraud report and alerts summary received in trailing docs<br>Buyer Comment (2025-07-31): Fraud summary<br>Buyer Comment (2025-07-31): Fraud | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137371 |  | 34477216 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | Missing full fraud report with red flags addressed. |  |  |  | Reviewer Comment (2025-08-06): Cleared with alert summary.<br>Buyer Comment (2025-08-02): Fraud summary | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137371 |  | 34477217 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1 or closing statement. |  |  |  | Reviewer Comment (2025-08-06): Cleared with final CS.<br>Buyer Comment (2025-08-04): Final SS | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137462 |  | 34477220 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-08): cleared with fraud<br>Buyer Comment (2025-08-06): Fraud<br>Reviewer Comment (2025-08-05): OFAC for borrowing entity is not provided on any of the Fraud Reports..<br>Buyer Comment (2025-08-01): fraud | 08/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137370 |  | 34477225 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent is paid to private landlord. Provide [redacted] months cancelled check/bank statements for primary residence. |  |  |  | Reviewer Comment (2025-08-06): Cleared with rent checks.<br>Buyer Comment (2025-08-04): rent checks | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137370 |  | 34477226 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-08-06): Cleared with alert summary.<br>Buyer Comment (2025-08-04): Fraud summary | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137353 |  | 34477229 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Good Standing for [redacted] missing from file. |  |  |  | Reviewer Comment (2025-07-01): Cleared with lenders credit memo dated [redacted].<br>Buyer Comment (2025-06-30): Cert of Good Standing attached. Thank you. | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137353 |  | 34477230 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing LLC and the sub entity. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Please find clear ofac search for Borrowers LLC. | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137353 |  | 34477231 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Appraisal invoice received<br>Buyer Comment (2025-07-18): Please find appraisal invoice attached. Thank you.<br>Reviewer Comment (2025-07-01): See page[redacted] of your guidelines.<br>Buyer Comment (2025-06-30): Please note [redacted] do not require an invoice on transferred appraisals. | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| [Redacted] | 1137435 |  | 34477993 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-17): clear | 06/17/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137435 |  | 34477994 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-17): clear<br>Buyer Comment (2025-06-13): Final | 06/17/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137435 |  | 34477996 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137435 |  | 34477997 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137378 |  | 34478000 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137478 |  | 34478011 |  |  | 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 is short reserves due to insufficient assets. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least $[redacted]. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]mo Bank Statement<br> Disposable Income: $[redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-20): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-19): exception |  |  | 08/20/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | [Redacted] | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137478 |  | 34478012 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Proof of CPA business existence is missing from the file. |  |  |  | Reviewer Comment (2025-08-14): Received<br>Buyer Comment (2025-08-12): irs search | 08/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137469 |  | 34478025 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing certification and/or licensing information for the CPA, as well as disclosing if there is any affiliation with borrowers or the business. |  |  |  | Reviewer Comment (2025-08-06): cleared with IRS letter.<br>Buyer Comment (2025-08-04): IRS search | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137443 |  | 34478063 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide documentation to verify the CPA is duly certified. |  |  |  | Reviewer Comment (2025-06-16): Clear<br>Buyer Comment (2025-06-12): CTEC | 06/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137443 |  | 34478060 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-06-23): Final certified settlement statement reflecting disbursement date received in trailing docs.<br>Buyer Comment (2025-06-23): Please find attached HUD-1 disbursed on [redacted]. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137443 |  | 34478062 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-06-16): Clear<br>Buyer Comment (2025-06-12): Fraud | 06/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137403 |  | 34478070 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | OFAC red flag on fraud report |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-08-11): cleared with ofac.<br>Buyer Comment (2025-08-07): [redacted]-OFAC | 08/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137403 |  | 34478071 |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. |  |  |  | Reviewer Comment (2025-08-04): Notary page received in trailing docs.<br>Buyer Comment (2025-07-31): Please see attached Notary | 08/04/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | [Redacted] | Investment | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137441 |  | 34478083 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use of a financial reference letter for a deposit account only (no credit) vs guideline that states one credit reference letter from a verified financial intuition in the borrower's county of origin is required.<br> Borrower has a financial reference letter from [redacted], a well known bank in [redacted], verifying an active deposit account opened in [redacted] . No credit/tradelines verified by [redacted].<br>Compensating Factors:<br> 1. DTI is [redacted]<br> 2. Borrower has been self-employed in the same industry for over [redacted] years<br> 3. Residual income > $[redacted] $[redacted]<br> 4. Per [redacted] [redacted] Guideline Clarification from Risk Management, use of EITHER a credit reference letter OR a financial reference letter is acceptable and will be within next published guideline update. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted]. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]mo CPA P&L<br> Disposable Income: $[redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-04): Waived with compensating factors per lender exception approval at origination. |  |  | 06/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Second Home | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137441 |  | 34478085 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence of the business existence dated within [redacted] days of the Note. |  |  |  | Reviewer Comment (2025-06-10): clear<br>Buyer Comment (2025-06-06): email from CPA | 06/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Second Home | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137441 |  | 34478086 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence there is no affiliation between the CPA, borrower and borrowers business. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted]. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]mo CPA P&L<br> Disposable Income: $[redacted] | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-13): Waived with compensating factors at clients request.<br>Buyer Comment (2025-06-11): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-06-10): Cannot clear with post closing document.<br>Buyer Comment (2025-06-06): see attached email |  |  | 06/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | [Redacted] | Second Home | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137441 |  | 34478087 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Second Home | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137431 |  | 34478092 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137431 |  | 34478091 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The DTI increased due to the Lender used Other Debt of $[redacted]per month to qualify the loan. Based on the updated undisclosed debt verification and credit report, the Other Debt is $[redacted]per month. |  |  |  | Reviewer Comment (2025-06-18): Clear.<br>Buyer Comment (2025-06-17): [redacted] shows [redacted] $[redacted]was paid off on final CD. Both [redacted] payoffs are reported on the final CD. | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137431 |  | 34478089 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Provide verification of mortgage (VOM) to verify prior housing history. Required for Real Time Solutions lien. |  |  |  | Reviewer Comment (2025-06-18): clear<br>Buyer Comment (2025-06-16): email from Real time | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137390 |  | 34478099 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-06-26): Clear<br>Buyer Comment (2025-06-24): [redacted]-Fraud | 06/26/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Primary | Purchase |  | D | B | D | A | A | A | B | B | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137390 |  | 34478100 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-07-10): clear<br>Buyer Comment (2025-07-08): Please see credit report attached. Thank you. | 07/10/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | [Redacted] | Primary | Purchase |  | D | B | D | A | A | A | B | B | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137390 |  | 34478103 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Provide appraisal transfer letter and invoice for appraisal transferred from [redacted]. |  |  |  | Reviewer Comment (2025-07-17): Waived per updated lender exception provided in trailing docs.<br>Buyer Comment (2025-07-16): Please see exception that now includes invoice. Thank you.<br>Reviewer Comment (2025-07-14): Exception only covers transfer letter. Appraisal Invoice still required.<br>Buyer Comment (2025-07-11): Please find exception attached. Thank you. |  |  | 07/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | [Redacted] | Primary | Purchase |  | D | B | D | A | A | A | B | B | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1137479 |  | 34478120 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2025-08-14): received final HUD<br>Buyer Comment (2025-08-12): PFA<br>Reviewer Comment (2025-08-10): Document provided is not signed/stamped certified by settlement agent (settlement agent signature is blank on [redacted]page).<br>Buyer Comment (2025-08-07): HUD provided<br>Buyer Comment (2025-08-07): PFA | 08/14/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137479 |  | 34478121 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Note Interest Accrual Start Date | Disbursement Date is missing. Unable to determine Interest Accrual Start Date from the Note due to missing information. |  |  |  |  | Reviewer Comment (2025-08-20): Final settlement statement received | 08/20/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137479 |  | 34478123 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lived rent-free with someone other than spouse (parents) until [redacted]. Subsequent verification of mortgage in file. |  |  |  | Reviewer Comment (2025-08-20): Received addendum to 1008 reflecting UW discretion for allowing borrower to live rent free with someone other than a spouse prior to[redacted].<br>Buyer Comment (2025-08-20): See first 1008 attached from underwriter. Thank you.<br>Buyer Comment (2025-08-20): 1008 underwriter addendum notes our system [redacted] does not print a page #[redacted] addendum of the 1008. Thank you. | 08/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137479 |  | 34478124 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-14): Received<br>Buyer Comment (2025-08-13): Please review [redacted]<br>Reviewer Comment (2025-08-10): Document provided is not signed/stamped certified by settlement agent (settlement agent signature is blank on[redacted]page).<br>Buyer Comment (2025-08-07): HUD provided | 08/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137479 |  | 34478125 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence there is no affiliation between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2025-08-20): Received CPA letter confirming no affiliation.<br>Buyer Comment (2025-08-20): Please find CPA loe attached. Thank you! | 08/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | [Redacted] | Investment | Purchase |  | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No |
| [Redacted] | 1137442 |  | 34869973 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Primary | Refinance - Rate/Term |  | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No |
| [Redacted] | 1137380 |  | 34869976 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-07-22): Waived per client direction. |  |  | 07/22/2025 | 2 |  | A |  | A |  | A |  | A |  | A |  | [Redacted] | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No |

---

## Exhibit 99.1

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| [Redacted] | 1117009 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1117008 |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121321 |  |  |  | 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 |  |
| [Redacted] | 1121378 |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121322 |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1121324 |  |  |  | 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 |  |
| [Redacted] | 1121345 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121266 |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1121514 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121264 |  |  |  | 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 |  |
| [Redacted] | 1121573 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121567 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121234 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121257 |  |  |  | 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 |  |
| [Redacted] | 1121381 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121318 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1121574 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1121483 |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1121170 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1137399 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137352 |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1137349 |  |  |  | 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 |  |
| [Redacted] | 1137351 |  |  |  | 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 |  |
| [Redacted] | 1137384 |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [Redacted] | 1137414 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137474 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137476 |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137412 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137450 |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137391 |  |  |  | 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 |  |
| [Redacted] | 1137364 |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137470 |  |  |  | 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 |  |
| [Redacted] | 1137379 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137389 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137371 |  |  |  | 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 |  |
| [Redacted] | 1137462 |  |  |  | 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 |  |
| [Redacted] | 1137398 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137370 |  |  |  | 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 |  |
| [Redacted] | 1137353 |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137416 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137400 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137377 |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137435 |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137378 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137478 |  |  |  | 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 |  |
| [Redacted] | 1137469 |  |  |  | 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 |  |
| [Redacted] | 1137443 |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137403 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137441 |  |  |  | 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 |  |
| [Redacted] | 1137431 |  |  |  | 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 |  |
| [Redacted] | 1137390 |  |  |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | 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 |  |
| [Redacted] | 1137479 |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137485 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137442 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [Redacted] | 1137380 |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.1

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](situsamc-logo.jpg) | ![](situsamc-logo.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 12/8/2025 4:34:02 PM** | **Run Date - 12/8/2025 4:34:02 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer 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** |
| [Redacted] | 1117009 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | 1117008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| [Redacted] | 1121321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| [Redacted] | 1121378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1121322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | 1121324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | 1121345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redacted] | 1121266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| [Redacted] | 1121514 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1121264 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | 1121573 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| [Redacted] | 1121567 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [Redacted] | 1121234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | 1121257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [Redacted] | 1121381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted] | 1121318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| [Redacted] | 1121574 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [Redacted] | 1121483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | 1121170 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| [Redacted] | 1137399 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137351 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| [Redacted] | 1137384 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redacted] | 1137364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | 1137398 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted] | 1137370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -21.740% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137478 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | 1137469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redacted] | 1137443 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redacted] | 1137403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [Redacted] | 1137441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137431 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redacted] | 1137390 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | 1137479 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | 1137485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted] | 1137442 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | 1137380 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |

---

## Exhibit 99.2

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**NARRATIVE**

**HOMES 2026-NQM1**

**By Canopy Financial Technology Partners LLC on December 9, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

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

![](ex992001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by APF II Resi O4B, LLC (the "Client") or its affiliated company. The Review was conducted from February to October 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one hundred ten (110) Loans with an aggregate original principal balance of $50,837,704.

**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 Organization (NRSRO); S&P Global Ratings and Fitch.

**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;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &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 Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

![](ex992001.jpg)

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](ex992001.jpg)

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters; and/or

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

![](ex992001.jpg)

**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:

● Social Security inconsistencies

● Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

● 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.

![](ex992001.jpg)

**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); and

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

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 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 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 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 the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

![](ex992001.jpg)

**"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's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C.
 §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(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; and

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

![](ex992001.jpg)

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable); 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;x. Initial
 Escrow Account Disclosure.

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

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

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

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

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

![](ex992001.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;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; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
 2014 requirements regarding the disclosure of the right to receive a copy of appraisals
 within three (3) business days of application, the right to receive a copy of the appraisals
 at least three (3) business days prior to consummation and any applicable waiver. The
 disclosure of the right to receive a copy of appraisals may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

![](ex992001.jpg)

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex992001.jpg)

● 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.

● 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.

![](ex992001.jpg)

**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.

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.

![](ex992001.jpg)

**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.

![](ex992001.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

---

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

---

![](ex992001.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 99.09% (109 loans) have an overall grade of "A", and 0.91% (1 loan) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 99.09% (109) mortgage loans reviewed, and 0.91% (1) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00% (110) mortgage loans reviewed, and 0.00% (0) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% (110) mortgage loans reviewed, and 0.00% (0) have a Property/Valuation grade of "B".

![](ex992001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;109 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.91% |
| &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;**110** | &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;109 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.91% |
| &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;**110** | &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;110 | &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;**110** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &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;**110** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;87 | &nbsp;&nbsp;79.09% | &nbsp;&nbsp;$40084251.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;23 | &nbsp;&nbsp;20.91% | &nbsp;&nbsp;$10753453.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50837704.00** |

---

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$50837704.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50837704.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;23 | &nbsp;&nbsp;20.91% | &nbsp;&nbsp;$12356453.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.09% | &nbsp;&nbsp;$10089358.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;56 | &nbsp;&nbsp;50.91% | &nbsp;&nbsp;$23150143.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;10 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$5241750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50837704.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$50837704.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50837704.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;55 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$27294898.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;$3508800.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;49 | &nbsp;&nbsp;44.55% | &nbsp;&nbsp;$20034006.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50837704.00** |

---

![](ex992001.jpg)

**DATA COMPARISON RESULTS**

Of the one hundred ten (110) loan files reviewed, sixty-one (61) unique loans (55.45% by number) had eighty-six (86) tape comparison discrepancies across fifteen (15) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Maximum | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;110 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;110 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;110 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;110 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25 tolerance | &nbsp;&nbsp;32 | &nbsp;&nbsp;110 | &nbsp;&nbsp;29.09% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;110 | &nbsp;&nbsp;8.18% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Property Description | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;110 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;9 | &nbsp;&nbsp;110 | &nbsp;&nbsp;8.18% |
| &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;6 | &nbsp;&nbsp;110 | &nbsp;&nbsp;5.45% |

---

![](ex992001.jpg)

**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 creditworthiness, 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.*

## Exhibit 99.2

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.2 - Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 1123207 |  |  | ARM Lifetime Interest Rate Maximum | 12.375 | 0.1238 |
| 1142408 |  |  | ARM Lifetime Interest Rate Maximum | 11.875 | 0.1188 |
| 1142413 |  |  | ARM Lifetime Interest Rate Maximum | 11.875 | 0.1188 |
| 1142420 |  |  | ARM Lifetime Interest Rate Maximum | 11.875 | 0.1188 |
| 1142424 |  |  | ARM Lifetime Interest Rate Maximum | 11.875 | 0.1188 |
| 1142427 |  |  | ARM Lifetime Interest Rate Maximum | 11.875 | 0.1188 |
| 1143158 |  |  | Borrower 1 FTHB | false | true |
| 1140811 |  |  | Borrower 1 Origination FICO | xxx | xxx |
| 1144610 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 1144594 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 1142408 |  |  | Borrower 2 Birthdate | xxx | xxx |
| 1142418 |  |  | Borrower 2 Birthdate | xxx | xxx |
| 1142408 |  |  | Borrower 2 SSN | xxx | xxx |
| 1142418 |  |  | Borrower 2 SSN | xxx | xxx |
| 1144608 |  |  | Calculated DSCR | 0.996 | 0 |
| 1144622 |  |  | Calculated DSCR | 1.008 | 0 |
| 1121265 |  |  | Calculated DSCR | 1.287 | 0 |
| 1143155 |  |  | Calculated DSCR | 0.785 | 0 |
| 1143160 |  |  | Calculated DSCR | 1.285 | 0 |
| 1143161 |  |  | Calculated DSCR | 1.131 | 0 |
| 1143169 |  |  | Calculated DSCR | 0.776 | 0 |
| 1143159 |  |  | Calculated DSCR | 1.008 | 0 |
| 1143157 |  |  | Calculated DSCR | 1.218 | 0 |
| 1143164 |  |  | Calculated DSCR | 0.934 | 0 |
| 1143963 |  |  | Calculated DSCR | 1.308 | 0 |
| 1143960 |  |  | Calculated DSCR | 1.137 | 0 |
| 1143965 |  |  | Calculated DSCR | 0.805 | 0 |
| 1143954 |  |  | Calculated DSCR | 0.889 | 0 |
| 1143962 |  |  | Calculated DSCR | 1.492 | 0 |
| 1143956 |  |  | Calculated DSCR | 1.055 | 0 |
| 1143964 |  |  | Calculated DSCR | 1.008 | 0 |
| 1144599 |  |  | Calculated DSCR | 1.045 | 0 |
| 1144615 |  |  | Calculated DSCR | 1.333 | 0 |
| 1144605 |  |  | Calculated DSCR | 1.154 | 0 |
| 1144616 |  |  | Calculated DSCR | 2.496 | 0 |
| 1144603 |  |  | Calculated DSCR | 1.252 | 0 |
| 1144602 |  |  | Calculated DSCR | 1.858 | 0 |
| 1144598 |  |  | Calculated DSCR | 0.868 | 0 |
| 1144604 |  |  | Calculated DSCR | 1.181 | 0 |
| 1144619 |  |  | Calculated DSCR | 1.17 | 0 |
| 1144592 |  |  | Calculated DSCR | 1.058 | 0 |
| 1144629 |  |  | Calculated DSCR | 1.059 | 0 |
| 1144633 |  |  | Calculated DSCR | 1.174 | 0 |
| 1144628 |  |  | Calculated DSCR | 1.035 | 0 |
| 1144621 |  |  | Calculated DSCR | 0.784 | 0 |
| 1144597 |  |  | Calculated DSCR | 1.052 | 0 |
| 1140812 |  |  | Interest Rate | 7.499 | 0.0750 |
| 1123207 |  |  | Interest Rate | 7.375 | 0.0738 |
| 1142406 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142407 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142408 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142413 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142420 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142424 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1142427 |  |  | Interest Rate | 6.875 | 0.0688 |
| 1123207 |  |  | Note Date | xxx | xxx |
| 1123211 |  |  | Note Date | xxx | xxx |
| 1123215 |  |  | Note Date | xxx | xxx |
| 1144600 |  |  | Primary Appraised Property Value | xxx | xxx |
| 1143162 |  |  | Property Description | Attached | Detached |
| 1143167 |  |  | Property Description | 4 Unit | Detached |
| 1144599 |  |  | Property Description | 3 Unit | Detached |
| 1144633 |  |  | Property Description | Attached | Mid-Rise |
| 1144617 |  |  | Property Description | Semi-Detached | Detached |
| 1144597 |  |  | Property Description | Detached | Attached |
| 1143157 |  |  | Qualifying CLTV | 70 | 74.99 |
| 1143964 |  |  | Qualifying CLTV | 70 | 66.67 |
| 1144593 |  |  | Qualifying CLTV | 67.81 | 70 |
| 1143153 |  |  | Qualifying FICO | xxx | xxx |
| 1144610 |  |  | Qualifying FICO | xxx | xxx |
| 1144592 |  |  | Qualifying FICO | xxx | xxx |
| 1123215 |  |  | Qualifying LTV | 70 | 0.66 |
| 1142404 |  |  | Qualifying LTV | 70 | 0.66 |
| 1142410 |  |  | Qualifying LTV | 70 | 0.68 |
| 1142412 |  |  | Qualifying LTV | 45.58 | 0.43 |
| 1142413 |  |  | Qualifying LTV | 70 | 0.67 |
| 1142416 |  |  | Qualifying LTV | 70 | 0.67 |
| 1143157 |  |  | Qualifying LTV | 70 | 74.99 |
| 1143964 |  |  | Qualifying LTV | 70 | 66.67 |
| 1144593 |  |  | Qualifying LTV | 67.81 | 70 |
| 9320240266 |  |  | Qualifying Total Debt Income Ratio | 32.61 | 42.78 |
| 3000012739 |  |  | Qualifying Total Debt Income Ratio | 21.17 | 12.06 |
| 3000012659 |  |  | Qualifying Total Debt Income Ratio | 51.11 | 29.68 |
| 3000012574 |  |  | Qualifying Total Debt Income Ratio | 33.25 | 42.35 |
| 3000012874 |  |  | Qualifying Total Debt Income Ratio | 15.19 | 20.56 |
| 3000012943 |  |  | Qualifying Total Debt Income Ratio | 41.07 | 44.14 |

---

## Exhibit 99.2

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor<br>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** |
| 1144608 |  | C A | Closed | FCRE0001 | 2025-09-13 12:12 | 2025-10-20 08:27 | Resolved | 1 - Information A | Credit | Title | Borrower's Name on Title Doesn't Match Deed Of Trust | Resolved-Corrected signed Note & DOT provided. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Borrower resigned Note and title corrected spelling of first name on DOT. - Due Diligence Vendor-10/16/2025 <br> Open-Note, Deed all legal docs need to be "perfected" as they loan closed with the borrowers first name spelled incorrectly. Per borrowers ID/SS card his 1st name is "xxx" but all legal documents were completed with borrowers 1st name as "xxx" - Due Diligence Vendor-09/13/2025 |  | Resolved-Corrected signed Note & DOT provided. - Due Diligence Vendor-10/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx 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 |
| 1144608 |  | C A | Closed | FCRE1159 | 2025-09-12 05:47 | 2025-10-16 11:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 08-27-2025 is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-See post-closing HUD showing settlement date of xxx. - Due Diligence Vendor-10/15/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx The Latest Insurance Documents is Available. - Due Diligence Vendor-09/12/2025 |  | 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-10/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx 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 |
| 1144622 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1121265 |  | C A | Closed | FCRE1198 | 2025-01-31 15:37 | 2025-02-04 14:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/04/2025 <br> Ready for Review-1008 on pg.xxx of the uploaded PKG shows xxx months of reserves. Could you please waive this condition or provide your calculation? - Due Diligence Vendor-02/04/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 2 Audited Reserves of xxx are less than Guideline Required Reserves of 2 - Due Diligence Vendor-01/31/2025 |  | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% 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 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1115886 |  | D A | Closed | FCRE1252 | 2025-03-04 10:52 | 2025-03-17 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/14/2025 <br> Counter-Title Coverage states $xxx however Loan amount is $xxx - Missing Title Supplement with the correct Title Coverage of $xxx - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. Updated title provided, thank you - Buyer-03/12/2025 <br> Open-Title Document is Incomplete Title Commitment Date is Missing from Schedule A. - Due Diligence Vendor-03/04/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 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 660 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 |
| 1115886 |  | D A | Closed | FCRE1161 | 2025-03-04 11:09 | 2025-03-12 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/10/2025 <br>Open-Missing Flood Certificate Flood Certificate is Missing - Due Diligence Vendor-03/04/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 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 660 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 |
| 1140811 |  | D A C | Closed | FPRO1244 | 2025-03-18 17:11 | 2025-03-20 08:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/19/2025 <br> Open-Per guidelines: The Appraisal Review Process requires a secondary appraisal product to support the appraisal value for the transaction. Acceptable review products include:<br> • xxx Desk Review (must contain a value and comparative sales data to support the valuationresult), <br> • Field Review<br> • Second Full Appraisal (appraisals must be completed by different, independent appraisers and the lower of the two appraised values used to determine value)<br>The Appraisal Review product can be waived if the loan is submitted to Collateral Underwriter and receives a xxx SSR score of 2.5 or lower. <br>The 3rd party valuation was not provided, nor was a CU or LCA in the file. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Desk review provided. - Due Diligence Vendor-03/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 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 740 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 |
| 1140811 |  | D A C | Closed | FCRE1167 | 2025-03-17 01:45 | 2025-03-20 08:22 | 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-03/20/2025 <br> Ready for Review-Document Uploaded. dwelling coverage reflects xxx - Seller-03/19/2025 <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 loan amount of $xxx and RCE not in file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. dwelling coverage reflects xxx - Seller-03/19/2025 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 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 740 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 |
| 1140811 |  | D A C | Closed | FCOM1477 | 2025-03-17 07:44 | 2025-03-20 08:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 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 740 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 |
| 1140812 |  | D A C | Closed | FCRE1317 | 2025-03-19 14:50 | 2025-04-01 15:27 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Evidence of 2+ years self employment provided. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. see attached certificate of formation for xxx. Additionally, xxx is a state that does not require a written xxx, therefore one was never drafted until this transaction which required the xxx - which is why the xxx was dated from xxx. - Seller-03/26/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing 3rd party verification of 2 years SE with xxx. File contains xxx pg xxx reflecting 100% owner, however dated 12/26/2024<br> Edit Delete - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. see attached certificate of formation for xxx. Additionally, xxx is a state that does not require a written xxx, therefore one was never drafted until this transaction which required xxx - which is why the xxx was dated from xxx. - Seller-03/26/2025 | Resolved-Evidence of 2+ years self employment provided. - Due Diligence Vendor-04/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% 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 700 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 |
| 1140812 |  | D A C | Closed | FVAL2301 | 2025-03-19 14:39 | 2025-03-26 11:57 | Resolved | 1 - Information D A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-2nd Appraisal Provided. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Counter-2nd Appraisal dated xxx states the Subject property was built in xxx however the images show its new construction. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-The second appraisal is subject to complete driveway and landscaping. Final inspection is missing. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-2nd Appraisal Provided. - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% 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 700 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 |
| 1140812 |  | D A C | Closed | FCOM1477 | 2025-03-17 11:26 | 2025-03-20 14:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% 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 700 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 |
| 1123207 |  | 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 |  |  |  |
| 1123211 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123215 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1142402 |  | A | Closed | FCOM0000 | 2025-08-18 12:17 | 2025-08-20 10:12 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | xxx Notice Concerning Extensions of Credit | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/18/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/18/2025<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.19% 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 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<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 0.22 |  | 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 |
| 1142403 |  | D A | Closed | FCRE1316 | 2025-08-15 14:38 | 2025-08-21 11:40 | 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-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE not available. File is corrupt and not all documents are available. - Due Diligence Vendor-08/15/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/21/2025<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 0.02<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.9% 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 |  | 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 |
| 1142403 |  | D A | Closed | FCRE1333 | 2025-08-15 14:38 | 2025-08-21 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Borrower 1 WVOE Missing WVOE not available. File is corrupt and not all documents are available. - Due Diligence Vendor-08/15/2025 |  | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-08/21/2025<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 0.02<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.9% 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 |  | 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 |
| 1142404 |  | D A | Closed | FPRO4876 | 2025-08-18 12:11 | 2025-08-26 08:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. Property is located in a county that is under a xxx Declared Disaster. PDI Report required. - Due Diligence Vendor-08/18/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025<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 - 8.35 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 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 |
| 1142404 |  | D A | Closed | FCRE2000 | 2025-08-16 09:43 | 2025-08-21 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Purchase Contract is Partial copy. - Due Diligence Vendor-08/16/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/21/2025<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 - 8.35 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 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 |
| 1142405 |  | D A | Closed | FCOM2727 | 2025-08-21 09:35 | 2025-08-22 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | Resolved-Gift receipt documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. This is xxx loan (wet funding), and according to title CD (which should be same as lender's CD), the borrower was supposed to bring $xxx when the borrower signed the loan doc. So the borrower brought $xxx as gift & $xxx from xxx. Uploaded Title CD, lender's CD, and escrow deposits (funded on 12/20/24) - Seller-08/21/2025 <br> Open-Final Closing Disclosure Provided resulting in additional finding: documentation title received the Gift Funds, has not been provided - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. This is xxx loan (wet funding), and according to title CD (which should be same as lender's CD), the borrower was supposed to bring $xxx when the borrower signed the loan doc. So the borrower brought $xxx as gift & $xxx from xxx. Uploaded Title CD, lender's CD, and escrow deposits (funded on xxx) - Seller-08/21/2025 | Resolved-Gift receipt documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/22/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM1544 | 2025-08-15 09:35 | 2025-08-22 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Gift receipt documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. This is xxx loan (wet funding), and according to title CD (which should be same as lender's CD), the borrower was supposed to bring $xxx when the borrower signed the loan doc. So the borrower brought $xxx as gift & $xxx from xxx. Uploaded Title CD, lender's CD, and escrow deposits (funded on 12/20/24) - Buyer-08/21/2025 <br> Counter-Final Closing Disclosure Provided resulting in additional finding: documentation title received the Gift Funds, has not been provided - Due Diligence Vendor-08/21/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-08/15/2025 |  | Resolved-Gift receipt documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/22/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM4227 | 2025-08-18 07:35 | 2025-08-21 09:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate and Revised Loan Estimate and Initial Closing disclosure and Revised closing disclosure. ~~~~~~~~~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-08/18/2025 |  | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM1252 | 2025-08-18 07:35 | 2025-08-21 09:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain ANY TRID disclosures. ~~~~~~~~~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. Thank you - Due Diligence Vendor-08/18/2025 |  | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 1142405 |  | D A | Closed | FCOM3957 | 2025-08-18 07:36 | 2025-08-21 09:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/18/2025 |  | Resolved-TRID disclosure history and all TRID disclosures have been provided - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | 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 |
| 1142405 |  | D A | Closed | FCOM1266 | 2025-08-18 07:25 | 2025-08-21 09:14 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-Homeownership Counseling Disclosure Is Missing . \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM1271 | 2025-08-18 07:25 | 2025-08-21 09:14 | Resolved | 1 - Information D A | Compliance | TRID | CHARM Booklet is Missing | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2025 <br>Open-CHARM Booklet is Missing . \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2025<br>| Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM1268 | 2025-08-18 07:25 | 2025-08-21 09:14 | Resolved | 1 - Information D A | Compliance | TRID | ARM Disclosure is Missing | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-ARM Disclosure is Missing Initial ARM Disclosure is Missing. \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/18/2025 |  | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142405 |  | D A | Closed | FCOM5135 | 2025-08-18 07:25 | 2025-08-21 09:14 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Required Affiliated Business Disclosure Missing . \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/18/2025 |  | Resolved-Complete initial disclosure package has been provided, thank you - Due Diligence Vendor-08/21/2025<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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 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 44.4% 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 |
| 1142406 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1142407 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1142408 |  | D A | Closed | FPRO4876 | 2025-08-18 18:06 | 2025-08-23 08:29 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-08/23/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/22/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-08/18/2025 |  | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-08/23/2025<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 0.01<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 - 29.41 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 - 45 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 - 29.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.67% Is Below The Guideline Maximum Of 75% 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 |  | 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 |
| 1142409 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1142410 |  | D A | Closed | FCRE1495 | 2025-08-15 17:43 | 2025-08-21 11:43 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Current Employment Not Verified | Resolved- - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Uploaded WVOE & VVOE on other conditions - Buyer-08/20/2025 <br>Open-ATR: Current Employment Not Verified - Due Diligence Vendor-08/15/2025 |  |  | 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 0.02<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 - 6.99 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 - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.51% Is Less Than The Guideline Maximum Of 43% 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 |
| 1142410 |  | D A | Closed | FCRE3464 | 2025-08-19 07:52 | 2025-08-21 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved- - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Unable to View VOE, the credit package is corrupt. - Due Diligence Vendor-08/19/2025 |  |  | 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 0.02<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 - 6.99 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 - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.51% Is Less Than The Guideline Maximum Of 43% 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 |
| 1142410 |  | D A | Closed | FCRE1316 | 2025-08-15 17:19 | 2025-08-21 11:43 | 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-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Unable to View WVOE, the package is corrupt. Wages will be updated once an updated package received. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/21/2025<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 0.02<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 - 6.99 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 - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.51% Is Less Than The Guideline Maximum Of 43% 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 |
| 1142410 |  | D A | Closed | FCRE1292 | 2025-08-15 17:19 | 2025-08-21 11:43 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/20/2025 <br>Open-Income 1 Months Income Verified is Missing Unable to View WVOE, the package is corrupt. Wages will be updated once an updated package received. - Due Diligence Vendor-08/15/2025 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/21/2025<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 0.02<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 - 6.99 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 - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.51% Is Less Than The Guideline Maximum Of 43% 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 |
| 1142411 |  | 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 |  |  |  |
| 1142412 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 1142413 |  | D A | Closed | FPRO4876 | 2025-08-19 14:08 | 2025-08-26 08:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-08/19/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.61% Is Less Than The Guideline Maximum Of 43% 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 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 0.02<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 - 7.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.16 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 |
| 1142414 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 1142415 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1142416 |  | D A | Closed | FPRO4876 | 2025-08-19 09:33 | 2025-08-26 07:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/25/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. Property is located in a county with xxx Declared Disasters post close. PDI Report required. - Due Diligence Vendor-08/19/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025<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> 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 - 6.65 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 |
| 1142416 |  | D A | Closed | FCRE7497 | 2025-08-19 09:23 | 2025-08-21 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded. should be able to find on p.26 - Buyer-08/20/2025 <br> Open-Missing hazard policy for xxx. - Due Diligence Vendor-08/19/2025 |  | Resolved-HOI Policy provided. - 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 680 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 - 6.65 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 |
| 1142417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1142419 |  | D A | Closed | FCRE1198 | 2025-08-18 14:37 | 2025-08-21 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. The borrower backed out EMD of $xxx. The borrower had enough assets to cover 2 months PI. - Buyer-08/20/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 See Insufficient funds to close finding - Due Diligence Vendor-08/18/2025 |  | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-08/21/2025 | 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 - 14.28 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 - 12.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.24% 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 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 0.05 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1142419 |  | D A | Closed | FCRE7000 | 2025-08-18 14:19 | 2025-08-21 12:35 | 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-08/21/2025 <br> Ready for Review-Document Uploaded. see attached snip of final settlement statement, the borrower backed out $xxx EMD and deposited $xxx - Buyer-08/20/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Evidence of $xxx earnest money is missing from the file. - Due Diligence Vendor-08/18/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/21/2025<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 - 14.28 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 - 12.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.24% 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 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 0.05 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1142419 |  | D A | Closed | FCRE1503 | 2025-08-19 18:53 | 2025-08-21 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Property report, Mortgages statement (not escrowed)& HOI Policy provided for xxx - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Does not include the escrow. uploaded mortgage statement, and snip of final 1003 showing other payment of $xxx. - Buyer-08/20/2025 <br> Open-MIssing mortgage statement for xxx (xxx) to confirm if escrow are included in $xxx payment reported on Credit report. - Due Diligence Vendor-08/19/2025 |  | Resolved-Property report, Mortgages statement (not escrowed)& HOI Policy provided for xxx - Due Diligence Vendor-08/21/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.28 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1142418 |  | C A | Closed | finding-3712 | 2025-08-18 15:22 | 2025-08-21 09:03 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded xxx per diem disclosure. The borrower agreed to pay one additional date difference between the funding & disbursement date. - Buyer-08/20/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($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. Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/21/2025<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 0.02<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 |
| 1142420 |  | D A | Closed | FPRO4876 | 2025-08-20 07:55 | 2025-08-26 08:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/25/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. Property located in a xxx Declared Disaster county post close. PDI Report required. - Due Diligence Vendor-08/20/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025<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 0.08<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.82% Is Below The Guideline Maximum Of 75% 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 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 |
| 1142421 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1142422 |  | D A | Closed | FCRE1479 | 2025-08-16 17:32 | 2025-08-21 11:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded xxx account along with asset worksheet. - Buyer-08/20/2025 <br> Open-Asset 1 Does Not Meet Guideline Requirements The credit file is corrupt. Not all asset documentation is viewable. Please provide all asset documentation for xxx. - Due Diligence Vendor-08/16/2025 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-08/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 43% 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 0.06<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 |
| 1142422 |  | D A | Closed | FCRE1316 | 2025-08-16 17:15 | 2025-08-21 11:47 | 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-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded again. saved as "credit package 2" - Buyer-08/20/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing The credit file is corrupt, not all pages are opening. The VOE could not be reviewed. Once a clean credit file is provided Income and DTI will be reassessed. - Due Diligence Vendor-08/16/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 43% 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 0.06<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 |
| 1142422 |  | D A | Closed | FCRE2109 | 2025-08-16 17:15 | 2025-08-21 11:47 | 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-08/21/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/20/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/16/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 43% 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 0.06<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 |
| 1142423 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1142424 |  | D A | Closed | FPRO4876 | 2025-08-20 11:36 | 2025-08-26 07:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br> Open-Property is located in a xxx Declared Disaster area and requires a post-disaster inspection. Property is located in a xxx Declared Disaster county. PDI Report required. - Due Diligence Vendor-08/20/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-08/26/2025<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 xxx Are Greater Than The Guideline Minimum Of 2 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 |
| 1142425 |  | D A | Closed | FCRE7497 | 2025-08-18 11:48 | 2025-08-22 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA provided for xxx - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Uploaded email from HOA association (p.xxx) to state that the assessment is $xxx per year - Buyer-08/22/2025 <br> Open-Provide HOA due bills for the property "xxx" to calculate the rental income. - Due Diligence Vendor-08/18/2025 |  | Resolved-HOA provided for xxx - Due Diligence Vendor-08/22/2025 | 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 0.04<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 - 12.29 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 - 17.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 |  | 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 |
| 1142425 |  | D A | Closed | FCRE1503 | 2025-08-18 11:40 | 2025-08-22 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided (Both escrowed) for xxx - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/22/2025 <br> Open-1) Provide Mortgage statement for the property "xxx ". to calculate the rental income<br> 2) Provide Mortgage statement for the property "xxx" to calculate the rental income. - Due Diligence Vendor-08/18/2025 |  | Resolved-Mortgage statements provided (Both escrowed) for xxx - Due Diligence Vendor-08/22/2025 | 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 0.04<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 - 12.29 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 - 17.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 2 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 |  | 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 |
| 1142426 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1142427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 1143162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143961 |  | D A | Closed | FCRE1193 | 2025-09-10 10:51 | 2025-09-11 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 & 1003 provide removing rental income. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Updated 1008 & 1003 removing rental income for departing residence, xxx attached. - Due Diligence Vendor-09/11/2025 <br> Open-DTI discrepancy (audit 21.17% vs lender 12.06%) due to rental income. See attached rental income worksheet. Missing lease agreement. - Due Diligence Vendor-09/10/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-09/10/2025 |  | Resolved-Updated 1008 & 1003 provide removing rental income. - Due Diligence Vendor-09/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.17% 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 |
| 1143961 |  | D A | Closed | FCRE7497 | 2025-09-08 15:35 | 2025-09-10 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA provided for xxx - Due Diligence Vendor-09/10/2025 <br> Ready for Review-xxx (departing residence) is a SFR located in a PUD with nominal HOA dues of $xxx/year per appraiser (see pg 1 of Form 1004) attached. - Due Diligence Vendor-09/10/2025 <br> Open-Missing HOA statement for xxx. - Due Diligence Vendor-09/08/2025 |  | Resolved-HOA provided for xxx - Due Diligence Vendor-09/10/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.17% 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 |
| 1143961 |  | D A | Closed | FCRE1503 | 2025-09-04 16:04 | 2025-09-10 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Newly Refinanced Loan, Final CD & Note for xxx provided. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-New Mortgage Info for xxx - Due Diligence Vendor-09/10/2025 <br> Open-Mortgage Statement missing for #xxx - Due Diligence Vendor-09/04/2025 |  | Resolved-Newly Refinanced Loan, Final CD & Note for xxx provided. - Due Diligence Vendor-09/10/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.17% 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 |
| 1143155 |  | D A | Closed | FCRE1814 | 2025-09-09 10:02 | 2025-09-25 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Docs Provided. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Entity Docs attached. - Due Diligence Vendor-09/25/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-09/09/2025 |  | Resolved-Business Docs Provided. - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1143153 |  | C A | Closed | FCRE1193 | 2025-09-09 12:13 | 2025-11-20 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Attached are updated 1008, 1003, bank statement worksheet and CPA letter. - Due Diligence Vendor-11/19/2025 <br> Open-Audited DTI of 51.11% exceeds Guideline DTI of 50% 1) Lender income worksheet is invalid as there net deposit average for 12 months is less than monthly income used to qualify, Lender did not apply the 40% expense factor on the net deposits that lowered income. <br> 2) Lender did not use current bank statements to qualify also, they used 7/2024-6/2025. TPR used current statementsxxx <br> 3) Lender did not include HOA fee in to PITIA - Due Diligence Vendor-09/09/2025 |  | Resolved-Audited DTI of 43.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/20/2025<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 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.81% 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 660 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 |
| 1143160 |  | C A | Closed | FCOM8845 | 2025-09-06 15:21 | 2025-10-16 11:15 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Corrected PPP provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Prepayment Addendum & Rider showing 1% fixed prepay attached. - Due Diligence Vendor-10/15/2025 <br> Counter-Section xxx - xxx Revised Code - Max allowed Prepayment penalty/term is 1% not to exceed 5 yrs. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-xxx does allow prepayment penalty per xxx Rev. Code § 1343.011. - Due Diligence Vendor-09/09/2025 <br> Open-The subject property's state, xxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-09/06/2025 |  | Resolved-Corrected PPP provided - Due Diligence Vendor-10/16/2025<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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1143170 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143167 |  | C A | Closed | FVAL9739 | 2025-09-09 14:50 | 2025-09-17 08:21 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Revised appraisal attached. - Due Diligence Vendor-09/16/2025 <br> Open-1) Appraiser states subject has not been sold or transferred in the past 36 months. Per title seller purchased subject xxx with a lien amount of $xxx. Appraiser needs to update appraisal<br> 2) Reviewer needs to update to reflect loan is a non-arms lenght transaction - Due Diligence Vendor-09/09/2025 |  | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-09/17/2025<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> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 |
| 1143167 |  | C A | Closed | FCOM4438 | 2025-09-10 12:17 | 2025-09-11 09:54 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-PCCD showing closing date of xxx uploaded to other condition. The reason for some closing docs showing a different date was due to a partial redraw for adjusted impounds. - Due Diligence Vendor-09/11/2025 <br> Open-\*\*Lender to confirm the closing date. Some closing documents, including the DOT, were executed/notarized on xxx and others, including the Final CD, were executed on xxx. - Due Diligence Vendor-09/10/2025 |  | Resolved-CA PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025<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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 1143167 |  | C A | Closed | finding-3631 | 2025-09-08 08:54 | 2025-09-11 09:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025 <br> Resolved- - Due Diligence Vendor-09/11/2025 <br> Ready for Review-PCCD attached - Due Diligence Vendor-09/11/2025 <br> Open-\*\*\*The recording fee increased to $xxx exceeding the 10% threshold. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <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-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-CA PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025<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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 |
| 1143167 |  | C A | Closed | finding-3632 | 2025-09-08 08:54 | 2025-09-11 09:26 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025 <br> Resolved- - Due Diligence Vendor-09/11/2025 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-09/11/2025 <br> Open-\*\*\*The recording fee increased to $xxx exceeding the 10% threshold. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <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-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-CA PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025<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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 1143167 |  | C A | Closed | finding-3635 | 2025-09-08 08:54 | 2025-09-11 09:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-xxx PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025 <br> Resolved- - Due Diligence Vendor-09/11/2025 <br> Ready for Review-PCCD uploaded to other condition. - Due Diligence Vendor-09/11/2025 <br> Open-\*\*\*The recording fee increased to $xxx exceeding the 10% threshold. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-CA PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/11/2025<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 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 1143156 |  | D A | Closed | FCRE1325 | 2025-09-09 15:15 | 2025-09-10 07:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/10/2025 <br>Ready for Review-CPA letter attached - Due Diligence Vendor-09/10/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter for proof of SE and using P&L's - Due Diligence Vendor-09/09/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.12% 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 54.59% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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<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 - 15 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 | 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 |
| 1143172 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143158 |  | D A | Closed | FCOM1232 | 2025-09-07 00:43 | 2025-09-12 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Final 1003 attached. - Due Diligence Vendor-09/11/2025 <br>Open-The Final 1003 is Missing Missing executed Final 1003. - Due Diligence Vendor-09/07/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/12/2025<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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 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 - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.32% 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 55.06% 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 720 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 |
| 1143158 |  | D A | Closed | FCOM5135 | 2025-09-08 18:08 | 2025-09-12 04:30 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-No affiliated business attestation attached. - Due Diligence Vendor-09/11/2025 <br>Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-09/11/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/12/2025<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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 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 - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.32% 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 55.06% 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 720 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 |
| 1143174 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143175 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143165 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143161 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143166 |  | D A | Closed | FCRE7497 | 2025-09-06 18:24 | 2025-09-10 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax Bill Provided. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Prop tax bill for xxx attached. - Due Diligence Vendor-09/10/2025 <br> Open-Provide Tax document for the REO property "xxx". with Tax amount $xxx. - Due Diligence Vendor-09/06/2025 |  | Resolved-Tax Bill Provided. - Due Diligence Vendor-09/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.78% 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 0.06<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 - 19.30 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 - 19.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.49 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 | Purchase | NA | N/A | N/A | xxx |
| 1143154 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143169 |  | D A | Closed | FCRE1814 | 2025-09-10 11:47 | 2025-09-11 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business LLC docs provided. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-See attached entity docs. - Due Diligence Vendor-09/11/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-09/10/2025 |  | Resolved-Business LLC docs provided. - Due Diligence Vendor-09/11/2025<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 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 |
| 1143159 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143168 |  | D A | Closed | FCRE2109 | 2025-09-10 16:44 | 2025-09-12 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved- - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Income calc noted on 1008. Updated 1008 & 1003 showing correct income attached. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Please rescind condition. Income calc noted on 1008:<br>Income used for xxx CPA/PL $xxx/12= $xxx - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/10/2025 |  |  |  |  | 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 |
| 1143173 |  | C A | Closed | FCOM2276 | 2025-09-09 13:17 | 2025-09-15 15:59 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-See PCCD showing disbursement date of xxx. uploaded to other condition. - Due Diligence Vendor-09/12/2025 <br> Open-Final CD reflects the disbursement date as xxx, loan documents indicate closing was on xxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-09/09/2025 |  | Resolved-PCCD received. - Due Diligence Vendor-09/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.74% 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 0.0<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 - 7.56 Years |  |  | 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 |
| 1143173 |  | C A | Closed | FCRE1159 | 2025-09-09 03:39 | 2025-09-12 14:48 | 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-09/12/2025 <br> Ready for Review-See attached PCCD showing disbursement date of xxx. - Due Diligence Vendor-09/12/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx . - Due Diligence Vendor-09/09/2025 |  | 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-09/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.74% 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 0.0<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 - 7.56 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 |
| 1143157 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143164 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143955 |  | C A | Closed | finding-3545 | 2025-09-13 11:25 | 2025-09-16 09:06 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-xxx RCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025 <br> Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Attached COC for lender credit on xxx and COC CD disclosed on xxx. - Due Diligence Vendor-09/16/2025 <br> Open-\*\*\*\* Change of circumstance regarding reduction in Lender Credit is dated xxx but not disclosed until xxx. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-xxx RCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025 |  |  | 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 |
| 1143955 |  | C A | Closed | finding-3652 | 2025-09-13 11:25 | 2025-09-16 09:06 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-xxx RCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025 <br> Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-COC for lender credit on xxx and COC CD disclosed on xxx uploaded to other condition. - Due Diligence Vendor-09/16/2025 <br> Open-\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-xxx RCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025 |  |  |  | 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 |
| 1143966 |  | D A C | Closed | FCRE5102 | 2025-09-13 11:25 | 2025-09-26 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Foreclosure History does not meet guidelines | Resolved-Lis Pendens docs and LOE provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Lis Pendens docs and LOE regarding "Other Advances" attached. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Lis Pendens in xxx is not a foreclosure. See Lis Pendens docs and LOE regarding "Other Advances" attached. - Due Diligence Vendor-09/25/2025 <br> Open-A Lis Pendens was filed on the subject by a "Trustee" on xxx and withdrawn due to a settlement that lender paid off on xxx. There also was another Lis Pendens filed against the borrower/property on xxx. There is no explanation or supporting documents as to why this was filed and this is required. Also the current mtg statement under doc pg #xxx shows "other advances" owed in the amount of $xxx but no documentation to support what this for. Also a current 12 month mtg payment history on subject is missing and required. - Due Diligence Vendor-09/13/2025 |  | Resolved-Lis Pendens docs and LOE provided. - Due Diligence Vendor-09/26/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1143966 |  | D A C | Closed | FCRE7347 | 2025-09-12 08:14 | 2025-09-25 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lender Removed the Rent Income for subject loan and is using the full PITIA - still meets DTI requirements. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Removed subject property rental income used to qualify. DTI still meets guidelines. Updated 1008 & 1003 attached. - Due Diligence Vendor-09/25/2025 <br>Open-Missing Lease agreement and 1007 Appraisal document for subject property. Also photos by appraiser support tenant is either moving or moving out due to lack of furniture and personal items. Provide supporting documentation of rent also and LOX if tentant is departing or moving into residence - Due Diligence Vendor-09/12/2025 |  | Resolved-Lender Removed the Rent Income for subject loan and is using the full PITIA - still meets DTI requirements. - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1143966 |  | D A C | Closed | finding-3631 | 2025-09-12 11:13 | 2025-09-25 09:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025 <br>Resolved- - Due Diligence Vendor-09/25/2025 <br>Ready for Review-PCCD attached - Due Diligence Vendor-09/25/2025 <br>Open-\*\*Final Recording fee exceeded the 10% threshold from the initial baseline. The original file does not contain a COC in relation to the increase. - Due Diligence Vendor-09/13/2025 <br>Open- - Due Diligence Vendor-09/13/2025 <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-09/12/2025 <br>Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1143966 |  | D A C | Closed | finding-3632 | 2025-09-12 11:13 | 2025-09-25 09:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Ready for Review-PCCD showing total recording fee of $xxx attached. - Due Diligence Vendor-09/25/2025 <br> Open-\*\*Final Recording fee exceeded the 10% threshold from the initial baseline. The original file does not contain a COC in relation to the increase. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 <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-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1143966 |  | D A C | Closed | finding-3635 | 2025-09-12 11:13 | 2025-09-25 09:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Ready for Review-PCCD showing total recording fee of $xxx uploaded to other condition. - Due Diligence Vendor-09/25/2025 <br> Open-\*\*Final Recording fee exceeded the 10% threshold from the initial baseline. The original file does not contain a COC in relation to the increase. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-09/25/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1143963 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143960 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143965 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143957 |  | 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 |  |  |  |
| 1144595 |  | C A | Closed | FCRE1480 | 2025-09-15 08:12 | 2025-09-24 09:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/24/2025 <br> Ready for Review-See updated 1003 and bank acct #xxx reflecting sufficient assets in borrower's own account and no gift funds. - Due Diligence Vendor-09/23/2025 <br> Open-Asset 2 Does Not Meet Guideline Requirements Asset 2 is gift amount for that proof gift letter and wire documents are missing. Gift funds of $xxx - Due Diligence Vendor-09/15/2025 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 6.68 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 |
| 1144596 |  | 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 |  |  |  |
| 1143954 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1143962 |  | C B A | Closed | FCRE3874 | 2025-09-16 06:30 | 2025-09-17 12:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: Exception Approved for Rural Property - Due Diligence Vendor-09/17/2025 <br> Ready for Review-See exception approval attached. - Due Diligence Vendor-09/16/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Primary Value Valuation Neighborhood Location (xxx properties) Not Allowed for Program, xxx xxx effective xxx. - Due Diligence Vendor-09/16/2025 |  | Waived-Exception granted with supporting comp factors: Exception Approved for xxx Property - Due Diligence Vendor-09/17/2025 | 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 640 By Twenty (20) or More Points Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 105.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | 5% LTV less than max LTV of 70%.<br> $xxx left in reserves after purchase.<br> xxx credit score, good credit depth and pay history<br> Charming property in a picturesque setting with a nice view of the river. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 1143959 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1143958 |  | 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 |  |  |  |
| 1143956 |  | C A | Closed | FCRE1169 | 2025-09-17 13:47 | 2025-10-01 12:44 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of is prior to or equal to the Note Date of xxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Attached is the original flood cert that was pulled on xxx, prior to closing, however street suffix was xxx vs xxx. NFIP Map Number and Map Date is the same as updated flood cert. - Due Diligence Vendor-09/30/2025 <br> Counter-Document Uploaded. The condition is stating that the Flood Cert that was provided is dated xxx however the Closing date is xxx (after Closing) - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Subject property is NOT in a flood zone. Flood insurance is not required. Please rescind condition. - Due Diligence Vendor-09/24/2025 <br> Open-Flood Certification Date is greater than xxx Flood cert date xxx. - Due Diligence Vendor-09/17/2025 |  | Resolved-Flood Insurance Effective Date of is prior to or equal to the Note Date of xxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/01/2025 | 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 660 By Twenty (20) or More Points Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.65 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 |
| 1143964 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144624 |  | 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 |  |  |  |
| 1144613 |  | D A | Closed | FCRE1814 | 2025-09-19 06:35 | 2025-10-01 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business LLC Documents provided - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Entity docs for xxx attached. - Due Diligence Vendor-09/30/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-09/19/2025 |  | Resolved-Business LLC Documents provided - Due Diligence Vendor-10/01/2025<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 - 11.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.21% 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 0.04<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.25% 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 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1144613 |  | D A | Closed | FCRE1503 | 2025-09-19 06:34 | 2025-10-01 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-VOM provided - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Providing VOM in lieu of mortgage statement. - Due Diligence Vendor-09/30/2025 <br> Open-Mortgage statement is missing for "xxx" xxx - Due Diligence Vendor-09/19/2025 |  | Resolved-VOM provided - Due Diligence Vendor-10/01/2025<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 - 11.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.21% 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 0.04<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.25% 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 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1144599 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1144593 |  | C A | Closed | FCRE1193 | 2025-09-22 14:20 | 2025-10-01 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 & 1003 provided now reflects audited DTI of 33.25% - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Updated 1008 & 1003 attached. - Due Diligence Vendor-09/30/2025 <br> Counter-Per VOM "Land Contract" for xxx has a Lien on the property and needs to be included in the ratios. Updated 1008 with the Audited DTI of 33.25% is needed. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-xxx was listed in the Schedule of RE on the URLA and VOM was included in the file, however, the mortgage was inadvertently not added. - Due Diligence Vendor-09/26/2025 <br> Counter-Document Uploaded. Please advise as to why xxx was not added? - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Updated 1008 & 1003 attached. xxx was excluded, however, loan for vacant land, xxx was not added. - Due Diligence Vendor-09/23/2025 <br> Open-Difference in DTI (audit 33.25% vs lender 42.35%) due to audit not including xxx payment as < 10 payments remaining. Lender included. - Due Diligence Vendor-09/22/2025 |  | Resolved-Updated 1008 & 1003 provided now reflects audited DTI of 33.25% - Due Diligence Vendor-10/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 6.90 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.90 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 67.25 Are Greater Than The Guideline Minimum Of 3 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 700 By Twenty (20) or More Points Qualifying FICO Of 721 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 67.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 67.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 |
| 1144615 |  | D A | Closed | FCRE1748 | 2025-09-22 15:06 | 2025-09-29 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Occupancy Cert attached - Due Diligence Vendor-09/27/2025 <br>Open-Occupancy Affidavit is missing from the loan file. - Due Diligence Vendor-09/22/2025 |  |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.53 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 |
| 1144615 |  | D A | Closed | FCOM1229 | 2025-09-22 09:49 | 2025-09-29 08:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Uploaded with mortgage to other condition. - Due Diligence Vendor-09/27/2025 <br>Open-1-4 Family Rider is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-09/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1144615 |  | D A | Closed | FCOM1227 | 2025-09-22 09:49 | 2025-09-29 08:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Uploaded with mortgage to other condition. - Due Diligence Vendor-09/27/2025 <br>Open-PUD Rider is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-09/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1144615 |  | D A | Closed | FCOM1220 | 2025-09-22 08:57 | 2025-09-29 08:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Mortgage attached - Due Diligence Vendor-09/27/2025 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.53 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 |
| 1144615 |  | D A | Closed | FCOM1206 | 2025-09-22 08:53 | 2025-09-29 08:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Note attached - Due Diligence Vendor-09/27/2025 <br>Open-The Note is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-09/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 14.53 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 |
| 1144605 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144616 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144611 |  | D A | Closed | FCRE1157 | 2025-09-23 10:55 | 2025-10-01 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Tax Cert & HOI Policy Provided - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Property tax bill and HOI for xxx attached. - Due Diligence Vendor-09/30/2025 <br> Open-Missing proof of Hazard Insurance costs and Tax amount for rental property located at xxx. - Due Diligence Vendor-09/23/2025 |  | Resolved-Tax Cert & HOI Policy Provided - Due Diligence Vendor-10/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.24% 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 0.24 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 53.85% 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 720 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 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 |
| 1144611 |  | D A | Closed | FCOM1206 | 2025-09-22 08:00 | 2025-09-25 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Note attached - Due Diligence Vendor-09/24/2025 <br>Open-The Note is Missing. - Due Diligence Vendor-09/22/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-09/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.24% 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 0.24 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 53.85% 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 720 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 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 |
| 1144600 |  | C A | Closed | FCRE1159 | 2025-09-23 00:19 | 2025-09-29 14:07 | 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-09/29/2025 <br> Ready for Review-See updated HOI binder showing effective date of xxx. - Due Diligence Vendor-09/27/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-09/23/2025 |  | 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-09/29/2025 | 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 640 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 - 13.23 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 - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.24% 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 59.27% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24 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 |
| 1144610 |  | C A | Closed | FCRE2515 | 2025-09-23 10:45 | 2025-10-15 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-New xxx account tradeline Provided - Added to Ratios. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-LOE & new account statement attached. - Due Diligence Vendor-10/14/2025 <br> Open-Provide Lox for the Credit Inquiries showing in the Credit Report " xxx ". - Due Diligence Vendor-09/23/2025 |  | Resolved-New xxx account tradeline Provided - Added to Ratios. - Due Diligence Vendor-10/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 65.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.66% 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 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 660 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 |
| 1144603 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144606 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144594 |  | D A | Closed | FCRE7497 | 2025-09-24 16:03 | 2025-10-08 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax Cert, HOI policy & HOA provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Property tax and insurance for xxx attached. Per xxx for HOA amount is $xxx/mo. - Due Diligence Vendor-10/07/2025 <br> Open-Missing Taxes, Insurance and HOA for primary xxx. - Due Diligence Vendor-09/24/2025 |  | Resolved-Tax Cert, HOI policy & HOA provided. - Due Diligence Vendor-10/08/2025<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 0.02<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 - 25.30 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 - 15.48 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% 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 |
| 1144594 |  | D A | Closed | FCRE2109 | 2025-09-23 18:11 | 2025-10-08 12:38 | 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-10/08/2025 <br>Ready for Review-Income calc attached. - Due Diligence Vendor-10/07/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/23/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/08/2025<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 0.02<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 - 25.30 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 - 15.48 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% 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 |
| 1144602 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144601 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1144609 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1144598 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144618 |  | D A | Closed | FCRE2109 | 2025-09-25 03:39 | 2025-09-30 13:22 | 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-09/30/2025 <br>Ready for Review-Income calc attached. - Due Diligence Vendor-09/30/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/25/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/30/2025<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 0.1<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 35.81% 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 |
| 1144604 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144619 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144612 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 1144626 |  | 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 |  |  |  |
| 1144592 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144623 |  | D A | Closed | FCRE1145 | 2025-09-25 05:32 | 2025-09-30 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Prelim title report attached. - Due Diligence Vendor-09/30/2025 <br>Open-Title Document is missing Title is missing - Due Diligence Vendor-09/25/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-09/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx 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 - 15.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 - 8.00 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 660 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 - 11.05 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 0.09 |  | 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 |
| 1144627 |  | 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 |  |  |  |
| 1144607 |  | C A | Closed | FVAL9739 | 2025-09-29 14:45 | 2025-09-30 09:16 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated 1008 provided reflecting the correct Value used for LTV - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Appraised value at initial loan submission was estimated at $xxx and it appears that the property value was not updated when appraisal was received. Updated 1008 reflecting correct appraised value attached. - Due Diligence Vendor-09/30/2025 <br> Open-. Provide documentation to show the cause for a lower value of $xxx utilized for approval. Appraisal reflects $xxx and no additional property review showing lower value was provided as required. - Due Diligence Vendor-09/29/2025 |  | Resolved-Updated 1008 provided reflecting the correct Value used for LTV - Due Diligence Vendor-09/30/2025<br>|  |  | 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 |
| 1144631 |  | D A | Closed | FCRE1764 | 2025-09-26 11:11 | 2025-09-30 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-HELOC statement provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-xxx HELOC account details on xxx - Due Diligence Vendor-09/30/2025 <br> Open-Missing mortgage statement for xxx - Due Diligence Vendor-09/26/2025 |  | Resolved-HELOC statement provided - Due Diligence Vendor-09/30/2025<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 - 17.71 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 - 17.72 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.65% 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 - 5.17 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 720 By Twenty (20) or More Points<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> 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 | 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 |
| 1144620 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1144630 |  | 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 |  |  |  |
| 1144629 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144633 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144625 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1144628 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144614 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1144621 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144632 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1144617 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1144597 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.2

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.2 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1144608 |  |  | xxx C A |
| 1144622 |  |  | xxx A |
| 1121265 |  |  | xxx C A |
| 1115886 |  |  | xxx D A |
| 1140811 |  |  | xxx C D A |
| 1140812 |  |  | xxx C D A |
| 1123207 |  |  | xxx A |
| 1123211 |  |  | xxx A |
| 1123215 |  |  | xxx A |
| 1142402 |  |  | xxx A |
| 1142403 |  |  | xxx D A |
| 1142404 |  |  | xxx D A |
| 1142405 |  |  | xxx A D |
| 1142406 |  |  | xxx A |
| 1142407 |  |  | xxx A |
| 1142408 |  |  | xxx A D |
| 1142409 |  |  | xxx A |
| 1142410 |  |  | xxx D A |
| 1142411 |  |  | xxx A |
| 1142412 |  |  | xxx A |
| 1142413 |  |  | xxx A D |
| 1142414 |  |  | xxx A |
| 1142415 |  |  | xxx A |
| 1142416 |  |  | xxx D A |
| 1142417 |  |  | xxx A |
| 1142419 |  |  | xxx D A |
| 1142418 |  |  | xxx A C |
| 1142420 |  |  | xxx A D |
| 1142421 |  |  | xxx A |
| 1142422 |  |  | xxx D A |
| 1142423 |  |  | xxx A |
| 1142424 |  |  | xxx A D |
| 1142425 |  |  | xxx D A |
| 1142426 |  |  | xxx A |
| 1142427 |  |  | xxx A |
| 1143162 |  |  | xxx A |
| 1143961 |  |  | xxx D A |
| 1143155 |  |  | xxx D A |
| 1143153 |  |  | xxx C A |
| 1143160 |  |  | xxx A C |
| 1143170 |  |  | xxx A |
| 1143167 |  |  | xxx A C |
| 1143156 |  |  | xxx D A |
| 1143172 |  |  | xxx A |
| 1143158 |  |  | xxx A D |
| 1143174 |  |  | xxx A |
| 1143175 |  |  | xxx A |
| 1143165 |  |  | xxx A |
| 1143171 |  |  | xxx A |
| 1143161 |  |  | xxx A |
| 1143166 |  |  | xxx D A |
| 1143154 |  |  | xxx A |
| 1143169 |  |  | xxx D A |
| 1143159 |  |  | xxx A |
| 1143168 |  |  | xxx D A |
| 1143173 |  |  | xxx C A |
| 1143157 |  |  | xxx A |
| 1143164 |  |  | xxx A |
| 1143955 |  |  | xxx A C |
| 1143966 |  |  | xxx D C A |
| 1143963 |  |  | xxx A |
| 1143960 |  |  | xxx A |
| 1143965 |  |  | xxx A |
| 1143957 |  |  | xxx A |
| 1144595 |  |  | xxx C A |
| 1144596 |  |  | xxx A |
| 1143954 |  |  | xxx A |
| 1143962 |  |  | xxx C A B |
| 1143959 |  |  | xxx A |
| 1143958 |  |  | xxx A |
| 1143956 |  |  | xxx C A |
| 1143964 |  |  | xxx A |
| 1144624 |  |  | xxx A |
| 1144613 |  |  | xxx D A |
| 1144599 |  |  | xxx A |
| 1144593 |  |  | xxx C A |
| 1144615 |  |  | xxx D A |
| 1144605 |  |  | xxx A |
| 1144616 |  |  | xxx A |
| 1144611 |  |  | xxx D A |
| 1144600 |  |  | xxx C A |
| 1144610 |  |  | xxx C A |
| 1144603 |  |  | xxx A |
| 1144606 |  |  | xxx A |
| 1144594 |  |  | xxx D A |
| 1144602 |  |  | xxx A |
| 1144601 |  |  | xxx A |
| 1144609 |  |  | xxx A |
| 1144598 |  |  | xxx A |
| 1144618 |  |  | xxx D A |
| 1144604 |  |  | xxx A |
| 1144619 |  |  | xxx A |
| 1144612 |  |  | xxx A |
| 1144626 |  |  | xxx A |
| 1144592 |  |  | xxx A |
| 1144623 |  |  | xxx D A |
| 1144627 |  |  | xxx A |
| 1144607 |  |  | xxx A C |
| 1144631 |  |  | xxx D A |
| 1144620 |  |  | xxx A |
| 1144630 |  |  | xxx A |
| 1144629 |  |  | xxx A |
| 1144633 |  |  | xxx A |
| 1144625 |  |  | xxx A |
| 1144628 |  |  | xxx A |
| 1144614 |  |  | xxx A |
| 1144621 |  |  | xxx A |
| 1144632 |  |  | xxx A |
| 1144617 |  |  | xxx A |
| 1144597 |  |  | xxx A |

---

## Exhibit 99.2

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.2 - Schedule 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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1144608 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144622 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 1121265 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1115886 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | .0431 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0431 | 97.0 | 0.03 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 1140811 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1140812 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 62.6 | 62.6 |  |  |  |  |  |  |  |  | xxx | xxx | .0312 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123207 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 1123211 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 15.94 | 15.94 | xxx | xxx | -.0295 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0295 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123215 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 1142402 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142403 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 69.98 | 69.98 | xxx | xxx | -.0221 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0221 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142404 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 1142405 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 79.26 | 79.26 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1142406 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142407 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 1142408 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 16.67 | 16.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2 | xxx |
| 1142409 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142410 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142411 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.02 | 73.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142412 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 45.58 | 45.58 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142413 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142414 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 41.48 | 41.48 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142415 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142416 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142417 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142419 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1142418 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 69.22 | 69.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 1142420 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 29.82 | 29.82 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142421 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 59.82 | 59.82 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1142422 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1142423 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1142424 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.72 | 69.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1142425 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 1142426 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 61.68 | 61.68 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1142427 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 36.17 | 36.17 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143162 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 1143961 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 1143155 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 1143153 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 84.99 | 84.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143160 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.2 | xxx |
| 1143170 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 69.89 | 69.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1143167 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1143156 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 54.59 | 54.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 1143172 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143158 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 55.06 | 55.06 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 1143174 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.4 | xxx |
| 1143175 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 1143165 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143171 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143161 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143166 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 1143154 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 74.99 | 74.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143169 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1143159 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 68.96 | 68.96 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143168 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 71.43 | 71.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143173 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143157 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143164 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 74.99 | 74.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143955 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 46.22 | 46.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 1143966 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 54.98 | 54.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143963 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 55.0 | 55.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 1143960 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 62.34 | 62.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143965 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 61.01 | 61.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 1143957 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 1144595 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144596 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 13.64 | 13.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 1143954 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143962 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 1143959 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 51.81 | 51.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143958 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1143956 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1143964 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.5 | xxx |
| 1144624 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 58.82 | 58.82 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 1144613 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 60.25 | 60.25 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144599 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 64.18 | 64.18 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144593 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 67.81 | 67.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1144615 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | -.0900 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0900 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144605 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 1144616 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144611 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 53.85 | 53.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144600 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 59.27 | 59.27 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144610 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 1144603 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 1144606 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 1144594 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.18 | 70.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144602 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144601 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144609 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144598 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 1144618 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144604 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 1144619 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 56.06 | 56.06 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144612 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 1144626 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 59.46 | 59.46 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.2 | xxx |
| 1144592 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 1144623 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 1144627 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.73 | 18.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 1144607 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 57.63 | 57.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144631 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 1144620 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 64.0 | 64.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144630 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.89 | 69.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 1144629 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.3 | xxx |
| 1144633 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1144625 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 1144628 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 79.77 | 79.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.4 | xxx |
| 1144614 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144621 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1144632 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 1144617 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 1144597 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-08-2025 |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |

---

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**HOMES 2026-NQM1**

**By Clarifii LLC on December 5, 2025**

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](ex993001.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 72 loans (the "Loans") and these loans were subsequently acquired by APF II Resi O4B, LLC (the "Client") for the HOMES 2026-NQM1 transaction. The loans referenced in this narrative report were reviewed between 09/2024 and 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;6 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$5934676.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;13 | &nbsp;&nbsp;18.06% | &nbsp;&nbsp;$8344226.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;53 | &nbsp;&nbsp;73.61% | &nbsp;&nbsp;$23072275.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

The review consisted of a population of 72 loans, with an aggregate principal balance of $37,351,177.00.

**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).

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](ex993001.jpg)

**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.

---

| | |
|:---|:---|
| &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;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**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;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Interest Rate Change Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &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 Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](ex993001.jpg)

**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

● **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

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](ex993001.jpg)

● **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

● **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

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](ex993001.jpg)

● **Property** **Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **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** 

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](ex993001.jpg)

**COMPLIANCE REVIEW** 

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **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.

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](ex993001.jpg)

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

&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.

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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).

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

![](ex993001.jpg)

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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.

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](ex993001.jpg)

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 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.

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](ex993001.jpg)

**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:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA / CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

**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. |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](ex993001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**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. |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](ex993001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** | &nbsp;&nbsp;**Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;59.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29 | &nbsp;&nbsp;40.28% |
| &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;**72** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;76.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;23.61% |
| &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;**72** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.78% |
| &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;**72** | &nbsp;&nbsp;**100.00%** |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](ex993001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$2327500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;69 | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;$35023677.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;38 | &nbsp;&nbsp;52.78% | &nbsp;&nbsp;$23298717.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$2334610.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;31 | &nbsp;&nbsp;43.06% | &nbsp;&nbsp;$11717850.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;30 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;$13361955.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;42 | &nbsp;&nbsp;58.33% | &nbsp;&nbsp;$23989222.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$37351177.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](ex993001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$37351177.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**72** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$37351177.00** |

---

**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 %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;43 | &nbsp;&nbsp;90.70% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;40 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;65 | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26.92% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;67 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;67 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;66 | &nbsp;&nbsp;57.58% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;72 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;68 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;97.10% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;68 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;68 | &nbsp;&nbsp;80.88% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](ex993001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

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

HOMES 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 1121166 | 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 | XXXX | 1121183 | 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 | 7350 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6550.23 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121192 | 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 | 2290 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50062.02 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121203 | 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 | 6600 | 7.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6181.34 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121222 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 31760.74 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 1121212 | 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 | 9235 | 7.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35171.54 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121236 | 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 | 7614 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19718.93 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1091822 | 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 | XXXX | 1121301 | 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 | 15885 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20347.25 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121302 | 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 | 12395 | 7.501 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 10387.16 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121336 | 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 | 2390 | 7.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11503.69 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121455 | 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 | 10140 | 7.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18120.25 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1140802 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 17675 | 8.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21889.02 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1140809 | 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 | XXXX | 1121438 | 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 | 10165 | 7.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9222.58 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121436 | 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 | 6168.75 | 7.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8698.61 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121462 | 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 | 11944.25 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26638.82 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 1121475 | 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 | 15080 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35507.76 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121459 | 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 | 7973.11 | 7.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7374.64 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121433 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9245 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6928.41 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1140803 | 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 | 2277.5 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 157035.17 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 1121339 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 9997.22 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 1121507 | 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 | 7690 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22868.56 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121505 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 14995 | 7.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29602.96 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121511 | 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 | 13369.11 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6086.46 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121501 | 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 | 7.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5952.66 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121553 | 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 | 8378 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6385.84 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121536 | 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 | 8325 | 7.96 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14310.99 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1115806 | 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 | XXXX | 1121559 | 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 | 6590 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15342.36 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121566 | 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 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10537.94 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 1121547 | 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 | 2590 | 7.036 | Yes | Yes | N/A | Yes | No | Yes | N/A | Yes | Yes | Yes | 12794.83 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1121578 | 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 | 10925 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26764.86 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1115846 | 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 | XXXX | 1115868 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 20431.25 | 8.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 118388.93 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1115833 | 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 | XXXX | 1115810 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 6983.75 | 8.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4999.98 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1115802 | 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 | XXXX | 1115808 | 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 | 6324.25 | 7.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4996.64 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1140805 | 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 | XXXX | 1140810 | 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 | XXXX | 1120140 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13465 | 8.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22899.27 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 1120085 | 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 | XXXX | 1120126 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 14510 | 8.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13094.95 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120108 | 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 | No | Yes | Present |
| XXXX | XXXX | 1120064 | 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 | XXXX | 1120138 | 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 | XXXX | 1120100 | XXXX | 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 |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 1120124 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 20691.65 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 1120125 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 20804.32 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 1120090 | 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 | XXXX | 1120068 | 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 | XXXX | 1120077 | 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 | XXXX | 1120078 | 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 | XXXX | 1120147 | 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 | XXXX | 1120072 | 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 | 10825 | 7.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4278.02 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120047 | 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 | 11427.56 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 1120164 | 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 | 16570 | 7.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17096.9 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | XXXX | 1120206 | 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 | 9442.2 | 7.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6758.67 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120149 | 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 | XXXX | 1120177 | 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 | 6658.53 | 7.673 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10937.04 | N/A | Not Employed |  | No |  | No |  |
| XXXX | XXXX | 1120182 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12015 | 8.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10244.33 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120190 | 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 | XXXX | 1120114 | 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 | XXXX | 1120141 | 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 | XXXX | 1120155 | 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 | 4475 | 8.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2048.03 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120150 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9417 | 9.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9203.8 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120181 | 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 | XXXX | 1124176 | 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 | XXXX | 1120128 | 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 | 6679.72 | 9.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4135.21 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 1120153 | 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 | XXXX | 1140827 | 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 | 8263.33 | 7.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3526.23 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 1121166 | XXXX | First Interest Rate Change Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1121166 | XXXX | First Payment Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1121166 | XXXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 12.38 | per note |
| XXXX | XXXX | 1121166 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 1121166 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.11 | DSCR per 1008 |
| XXXX | XXXX | 1121183 | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 1121183 | XXXX | First Payment Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 1121222 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121222 | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121212 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121212 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121236 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1091822 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1091822 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD. |
| XXXX | XXXX | 1091822 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.049 | 1.03 | Audit PITIA in line with lender. |
| XXXX | XXXX | 1121301 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121301 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121302 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121302 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121336 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1121336 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1140802 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1140809 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 1140809 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003/credit report |
| XXXX | XXXX | 1121438 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121438 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121436 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121462 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121475 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121459 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121433 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121433 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.61 | 39.08 | Lender did not include two student loan payment reporting on the gap report. |
| XXXX | XXXX | 1121339 | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | XXXX | 1121339 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | XXXX | 1121339 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.72 | 20.53 | Audit within 2% of the Lender's 1008 |
| XXXX | XXXX | 1121507 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 1121505 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121505 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1121505 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.79 | 46.25 | Lender used a higher P&I payment |
| XXXX | XXXX | 1121511 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121501 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121501 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1121536 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1121536 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1121536 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.19 | 44.43 | Audit calculated less REO loss |
| XXXX | XXXX | 1115806 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1115806 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 1115806 | XXXX | Qualifying CLTV | propertyValuationPage | 65.77 | 72.53 |  |
| XXXX | XXXX | 1121566 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1115846 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1115846 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal and condo questionnaire |
| XXXX | XXXX | 1115846 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.371 | 1 | Audit confirms DSCR matches lenders DSCR calculation in file |
| XXXX | XXXX | 1115868 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1115833 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1115833 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2655.16 | DSCR no DTI |
| XXXX | XXXX | 1115810 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 1115802 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1140805 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 1140805 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 20 | 1 | Per exception and VOM |
| XXXX | XXXX | 1140810 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1003 |
| XXXX | XXXX | 1140810 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 20 | 1 | Per VOM and exception in file |
| XXXX | XXXX | 1120140 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120140 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 1120085 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120108 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1120108 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 1120108 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 1120064 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120138 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120138 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 23.93 | DSCR Loan |
| XXXX | XXXX | 1120124 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120125 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1120090 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120147 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1120047 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1120047 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.17 | 40.10 | Audit finds lender used rent amount for current residence yet we have a rent free letter in file |
| XXXX | XXXX | 1120164 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120206 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120206 | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per Final 1003 |
| XXXX | XXXX | 1120206 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.56 | 44.23 | Audit finds lenders 1008 has a much higher All monthly payments that what is disclosed on final 1003 |
| XXXX | XXXX | 1120177 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1120177 | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | XXXX | 1120182 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 1120182 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 1120190 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1120190 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| XXXX | XXXX | 1120114 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 1120114 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2670.21 | DSCR Loan |
| XXXX | XXXX | 1120141 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1120141 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1120141 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.932 | 1.019 | Lender used lower P&I. |
| XXXX | XXXX | 1120150 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 1120150 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1120150 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo documentation |
| XXXX | XXXX | 1120150 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal. Tape reflects sales price |
| XXXX | XXXX | 1120181 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 1124176 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 1124176 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 1124176 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 840.95 | DSCR Loan |
| XXXX | XXXX | 1120153 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 1120153 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal. |
| XXXX | XXXX | 1120153 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 1120153 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | XXXX | DSCR Loan |
| XXXX | XXXX | 1140827 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.63 | 47.10 | Audit lower income |
| XXXX | XXXX | 1140827 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 49.63 | 47.10 | Audit lower income |

---

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 1121166 D B A | Closed | FCRE5782 | 2024-09-27 03:02 | 2024-10-07 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review DSCR loan Gap Report not required. - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Hello team, please get it waived. For DSCR program, credit refresh should not be required since we do not need to see if there are any new accounts opened - DSCR does not qualify the borrower with DTI. - Seller-10/04/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-09/27/2024 | Ready for Review-Hello team, please get it waived. For DSCR program, credit refresh should not be required since we do not need to see if there are any new accounts opened - DSCR does not qualify the borrower with DTI. - Seller-10/04/2024<br>| Resolved-Upon further review DSCR loan Gap Report not required. - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620; qualifying FICO is 800.<br>LTV is less than guideline maximum - Maximum LTV is 70%; qualifying LTV is 37.97%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2468767 |
| XXXX | XXXX | 1121166 D B A | Closed | FPRO0012 | 2024-09-27 03:44 | 2024-09-27 07:42 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-09/27/2024 <br> Open-XXXX<br> Incident Period: XXXX - Due Diligence Vendor-09/27/2024 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-09/27/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620; qualifying FICO is 800.<br>LTV is less than guideline maximum - Maximum LTV is 70%; qualifying LTV is 37.97%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 2468868 |
| XXXX | XXXX | 1121183 D A C | Closed | FPRO1255 | 2024-12-16 14:26 | 2024-12-30 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. Please find the attached questionnaire. - Seller-12/26/2024 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please find the attached questionnaire. - Seller-12/26/2024<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/30/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 795.<br>Qualifying DTI below maximum allowed - Maximum DTI is 49.99%; qualifying DTI is 45.41%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3015615 |
| XXXX | XXXX | 1121183 D A C | Closed | FPRO0008 | 2024-12-16 14:26 | 2024-12-30 14:35 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine - remove | Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. Please find the attached questionnaire. - Seller-12/26/2024 <br>Open-The Condo Project Warrantability is Unable to Determined. Missing Condo Questionnaire. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please find the attached questionnaire. - Seller-12/26/2024<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/30/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 795.<br>Qualifying DTI below maximum allowed - Maximum DTI is 49.99%; qualifying DTI is 45.41%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3015616 |
| XXXX | XXXX | 1121192 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121203 D B A C | Closed | FCRE5782 | 2025-01-14 13:44 | 2025-02-21 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025<br>| Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025<br>| Qualifying DTI below maximum allowed - DTI 30.64% is below 49.99% maximum allowed<br>Months Reserves exceed minimum required - 12 months reserves exceed 4 month minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3204063 |
| XXXX | XXXX | 1121203 D B A C | Closed | FCRE5790 | 2025-02-11 14:45 | 2025-02-21 14:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received GAP report. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-02/20/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/20/2025<br>| Resolved-Received GAP report. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - DTI 30.64% is below 49.99% maximum allowed<br>Months Reserves exceed minimum required - 12 months reserves exceed 4 month minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3400390 |
| XXXX | XXXX | 1121203 D B A C | Closed | FCRE1202 | 2025-01-14 13:51 | 2025-02-11 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received the Letter Manager Approval. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. please see fraud alert letter - Seller-02/10/2025 <br> Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. please see fraud alert letter - Seller-02/10/2025<br>| Resolved-Received the Letter Manager Approval. - Due Diligence Vendor-02/11/2025<br>| Qualifying DTI below maximum allowed - DTI 30.64% is below 49.99% maximum allowed<br>Months Reserves exceed minimum required - 12 months reserves exceed 4 month minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3204160 |
| XXXX | XXXX | 1121203 D B A C | Closed | finding-3732 | 2025-01-07 13:51 | 2025-01-20 10:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-01/20/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXXX. The disclosed total of payments of XXXX is not considered accurate because it is understated by more than XXXX and the provided reimbursement amount of XXXX is not sufficient to cure the inaccuracy. -----Total of payments is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> - Due Diligence Vendor-01/07/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-01/20/2025<br>| Qualifying DTI below maximum allowed - DTI 30.64% is below 49.99% maximum allowed<br>Months Reserves exceed minimum required - 12 months reserves exceed 4 month minimum required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3156380 |
| XXXX | XXXX | 1121203 D B A C | Closed | FCOM5135 | 2025-01-07 13:39 | 2025-01-07 14:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to material findings. - Due Diligence Vendor-01/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to material findings. - Due Diligence Vendor-01/20/2025<br>| Qualifying DTI below maximum allowed - DTI 30.64% is below 49.99% maximum allowed<br>Months Reserves exceed minimum required - 12 months reserves exceed 4 month minimum required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3156210 |
| XXXX | XXXX | 1121222 D A | Closed | FCRE5782 | 2025-01-30 16:41 | 2025-02-24 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Counter-Gap Report is not attached . Please reupload. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-SOFT PULL - Seller-02/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Ready for Review-SOFT PULL - Seller-02/15/2025<br>| Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025<br>| Months Reserves exceed minimum required - 38.88 months reserves is higher than 9 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 707 is higher than minimum required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3321627 |
| XXXX | XXXX | 1121222 D A | Closed | FCRE1158 | 2025-01-30 16:33 | 2025-02-21 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received confirmation of HOI premiums. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Ready for Review-Document Uploaded. please see IEAD show next full payment will taken out on XXXX<br> see payment MONTLY is XXXX each month - Seller-02/20/2025 <br> Counter-Client response: Borrower paid insurance outside of closing. Audit response: Insurance was escrowed per PCCD , so need verification of the monthly insurance payment. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. PCCD AND HOI was paid outside of closing by bwr - Seller-02/19/2025 <br> Counter-PCCD provided reflects Insurance escrowed with a monthly amount of XXXX. Provide a HOI policy that supports this monthly amount. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. PCCD AND HOI was paid outside of closing by bwr - Seller-02/18/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Declarations page(s) that reflect premium amount(s) that matches amounts collected on the Final CD - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Ready for Review-Document Uploaded. please see IEAD show next full payment will taken out on XXXX:<br> see payment MONTLY is XXXX each month - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. PCCD AND HOI was paid outside of closing by bwr - Seller-02/19/2025 <br> Ready for Review-Document Uploaded. PCCD AND HOI was paid outside of closing by bwr - Seller-02/18/2025 | Resolved-Received confirmation of HOI premiums. - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 38.88 months reserves is higher than 9 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 707 is higher than minimum required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3321528 |
| XXXX | XXXX | 1121222 D A | Closed | FCRE8611 | 2025-01-30 16:07 | 2025-02-21 08:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received XXXX validation for tax preparer. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. please see the CPA letter information active - Seller-02/20/2025 <br> Counter-Provide Tax preparer verification. PTIN is not allowed per guidelines. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. see profit and loss preprar by XXXX - Seller-02/15/2025 <br> Open-Missing validation document that P&L is not prepared by a PTIN as this is not acceptable per guidelines - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. please see the CPA letter information active - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. see profit and loss preprar by XXXX - Seller-02/15/2025 | Resolved-Received CTEC validation for tax preparer. - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 38.88 months reserves is higher than 9 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 707 is higher than minimum required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3321269 |
| XXXX | XXXX | 1121212 D A | Closed | FCRE5782 | 2025-01-30 16:22 | 2025-02-20 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap credit report for B1. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - 69.81% LTV ratio, 80% maximum LTV allowed.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 15.33%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3321426 |
| XXXX | XXXX | 1121236 C B A | Closed | FCRE8611 | 2025-01-28 16:49 | 2025-01-30 11:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. please see business phone number verification - Seller-01/29/2025 <br> Open-Missing business phone number verification via XXXX Search, XXXX or internet OR CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. please see business phone number verification - Seller-01/29/2025<br>| Resolved-Received Internet Search - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 804 FICO score is 20+ points above 720 minimum for program<br>Qualifying DTI below maximum allowed - 19.09% DTI is below 49.99% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3301572 |
| XXXX | XXXX | 1121236 C B A | Closed | FCOM5135 | 2025-01-28 08:04 | 2025-01-28 09:08 | 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-01/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-01/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 804 FICO score is 20+ points above 720 minimum for program<br>Qualifying DTI below maximum allowed - 19.09% DTI is below 49.99% maximum allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3294322 |
| XXXX | XXXX | 1091822 C B A | Closed | FCRE0969 | 2025-01-31 13:44 | 2025-07-25 09:35 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Received exception, PCCD removing PPP and LOE to borrower stating PPP is no longer applicable. Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached documents sent to the borrower which serve explaining to the borrower there will not be a prepayment penalty assessed if paid early. We also note that the Note contains the verbiage stating a prepayment may be assessed "Unless otherwise prohibited by applicable law or regulation." We ask that this condition please be waived. - Seller-07/24/2025 <br> Counter-Management is advising if the waiver is applied the loan will remain a C. This is a state regulation and cannot be downgraded. They also stated there may be an issue for any investor receiving on reliance letter. Please confirm that a waiver should be applied. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/29/2025 <br> Open-Prepayment penalties not allowed per guidelines in XXXX. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. Please see attached documents sent to the borrower which serve explaining to the borrower there will not be a prepayment penalty assessed if paid early. We also note that the Note contains the verbiage stating a prepayment may be assessed "Unless otherwise prohibited by applicable law or regulation." We ask that this condition please be waived. - Seller-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/29/2025<br>| Waived-Received exception, PCCD removing PPP and LOE to borrower stating PPP is no longer applicable. Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-07/25/2025<br>| On time mortgage history exceeds guideline requirement - 9+ years on time <br>Qualifying FICO score is at least 20 points above minimum for program - 751>700 | 4+ years in primary residence<br> Reserves 3+ months above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 3328512 |
| XXXX | XXXX | 1121301 C A | Closed | FPRO0011 | 2025-02-13 10:30 | 2025-02-20 08:57 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided confirming no damage from the recent disasters. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please review the PDI for this file. - Seller-02/19/2025 <br> Open-Subject county has been impacted by recent FEMA events and no appraisal commentary was noted to address. No PDI on file (XXXX (XXXX)) - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please review the PDI for this file. - Seller-02/19/2025<br>| Resolved-PDI provided confirming no damage from the recent disasters. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.22 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3415829 |
| XXXX | XXXX | 1121301 C A | Closed | finding-3634 | 2025-02-12 11:11 | 2025-02-20 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received the correct initial LE. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please review the ILE. - Seller-02/20/2025 <br> Counter-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 (Loan Origination Fee XXXX & Transfer Taxes XXXX) 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 - Three years; Expiration date is XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Hello, could you please clarify which fee has increased? I couldn't find any fee that has gone up. - Seller-02/18/2025 <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 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 3 years- Expiration date is XXXX. [Unable to test fees accurately due to missing Initial LE dated within 3 days of application] - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Please review the ILE. - Seller-02/20/2025 <br>Ready for Review-Hello, could you please clarify which fee has increased? I couldn't find any fee that has gone up. - Seller-02/18/2025<br>| Resolved-Received the correct initial LE. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.22 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3407286 |
| XXXX | XXXX | 1121301 C A | Closed | finding-3515 | 2025-02-12 11:11 | 2025-02-18 07:42 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Rec'd Initial LE issued XXXX. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Please review the ILE. The ILE uploaded in the package was an incorrect document. - Seller-02/17/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is 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 or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on New Year's Day (XXXX) As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.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. Missing Initial LE. Please provide Initial LE dated within 3 days of application. Additional findings may apply upon receipt. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Please review the ILE. The ILE uploaded in the package was an incorrect document. - Seller-02/17/2025<br>| Resolved-Rec'd Initial LE issued XXXX. - Due Diligence Vendor-02/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.22 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3407288 |
| XXXX | XXXX | 1121301 C A | Closed | finding-3635 | 2025-02-12 11:11 | 2025-02-18 07:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd Initial LE issued XXXX. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Hello, could you please clarify which fee has increased? I couldn't find any fee that has gone up. - Seller-02/18/2025 <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% (XXXX) exceed the comparable charges ($0.00) 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). ....Ten (10%) tolerance fees increased by XXXX 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 3 years- Expiration date is XXXX.<br> [Unable to test fees accurately due to missing Initial LE dated within 3 days of application] - Due Diligence Vendor-02/12/2025 | Ready for Review-Hello, could you please clarify which fee has increased? I couldn't find any fee that has gone up. - Seller-02/18/2025<br>| Resolved-Rec'd Initial LE issued XXXX. - Due Diligence Vendor-02/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.22 is lower than the guideline max of 49.99. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3407289 |
| XXXX | XXXX | 1121301 C A | Closed | finding-3838 | 2025-02-12 11:11 | 2025-02-18 07:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Rec'd Written List of Service Providers Disclosure issued XXXX. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Please review the WSSPL - Seller-02/17/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.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). Need Settlement Service Prov list dated within 3 days of Application - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Please review the WSSPL - Seller-02/17/2025<br>| Resolved-Rec'd Written List of Service Providers Disclosure issued XXXX. - Due Diligence Vendor-02/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 723 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.22 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3407290 |
| XXXX | XXXX | 1121302 D B A C | Closed | FPRO0011 | 2025-02-18 10:32 | 2025-03-05 15:36 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see PDI - Seller-03/04/2025 <br> Open-XXXX<br> Incident Period: XXXX - Post disaster inspection required.<br> - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see PDI - Seller-03/04/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/05/2025 | Months Reserves exceed minimum required - 10 months available vs. 4 required. <br>Qualifying FICO score is at least 20 points above minimum for program - 787 vs. min of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3438475 |
| XXXX | XXXX | 1121302 D B A C | Closed | FCRE5782 | 2025-02-18 11:03 | 2025-03-05 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - 10 months available vs. 4 required. <br>Qualifying FICO score is at least 20 points above minimum for program - 787 vs. min of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3438782 |
| XXXX | XXXX | 1121302 D B A C | Closed | FCRE0200 | 2025-02-18 13:42 | 2025-03-05 15:32 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received corrected 1008 - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-03/04/2025 <br>Counter-Please provide an updated 1008 or documentation to support other expense. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see post 1003 - Seller-02/26/2025 <br>Open-Provide documentation to support $190/month "other" property expense as stated on the 1008. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. please see attached - Seller-03/04/2025 <br>Ready for Review-Document Uploaded. Please see post 1003 - Seller-02/26/2025<br>| Resolved-Received corrected 1008 - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 10 months available vs. 4 required. <br>Qualifying FICO score is at least 20 points above minimum for program - 787 vs. min of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3440566 |
| XXXX | XXXX | 1121302 D B A C | Closed | FCOM5135 | 2025-02-13 15:49 | 2025-02-13 15:50 | 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-02/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 10 months available vs. 4 required. <br>Qualifying FICO score is at least 20 points above minimum for program - 787 vs. min of 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3419998 |
| XXXX | XXXX | 1121336 C A | Closed | FPRO0011 | 2025-02-21 05:57 | 2025-02-28 13:46 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Please review the PDI report. - Seller-02/26/2025 <br> Open-XXXX. The appraiser must comment on the adverse event and certify that there has been no change in the valuation.<br> - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Please review the PDI report. - Seller-02/26/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/28/2025 | LTV is less than guideline maximum - 31.43% LTV ratio, 80% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 779 qualifying FICO score, 720 minimum score required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3459287 |
| XXXX | XXXX | 1121455 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1140802 C A | Closed | FCRE5790 | 2025-02-26 15:22 | 2025-03-12 16:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap report. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide the Gap Credit Report dated within 10 days of closing / settlement date. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 15 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 731. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3487544 |
| XXXX | XXXX | 1140809 C B A | Closed | FCRE9996 | 2025-02-27 12:54 | 2025-03-04 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received acceptable condo inspection. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. 40 year certification - Seller-03/03/2025 <br> Counter-CPM provided reflects project added-does not supersede inspection requirements. The file does not contain the required structural engineer report per XXXX law. Subject is missing required milestone inspection as required by XXXX. Subject Certificate of Occupancy was on or before XXXX, has a building with 3 or more stories, and is over 30 years old. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. please see enclosed CPM condo approval which they would not receive if any inspection was necessary - Seller-02/27/2025 <br> Open-The file does not contain the required structural engineer report per XXXX law. Subject is missing required milestone inspection as required by XXXX. Subject Certificate of Occupancy was on or before XXXX, has a building with 3 or more stories, and is over 30 years old.<br> - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. 40 year certification - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. please see enclosed CPM condo approval which they would not receive if any inspection was necessary - Seller-02/27/2025<br>| Resolved-Received acceptable condo inspection. - Due Diligence Vendor-03/04/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR ratio 1.298<br>Qualifying FICO score is at least 20 points above minimum for program - 771 qualifying FICO score, 700 minimum required.<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed for cash-out transaction. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3494552 |
| XXXX | XXXX | 1140809 C B A | Closed | FPRO0013 | 2025-02-27 13:12 | 2025-02-28 15:09 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Upon further review, the loan file contained acceptable required disaster commentary by appraiser. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Appraiser did make mention of this on the addendum page (page 15 of the PDF) - Seller-02/27/2025 <br> Open-XXXX. The appraiser must comment on the adverse event and certify that there has been no change in the valuation.<br> - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Appraiser did make mention of this on the addendum page (page 15 of the PDF) - Seller-02/27/2025<br>| Resolved-Upon further review, the loan file contained acceptable required disaster commentary by appraiser. - Due Diligence Vendor-02/28/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR ratio 1.298<br>Qualifying FICO score is at least 20 points above minimum for program - 771 qualifying FICO score, 700 minimum required.<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed for cash-out transaction. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3494783 |
| XXXX | XXXX | 1140809 C B A | Closed | FCRE0969 | 2025-02-27 11:12 | 2025-02-27 14:09 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025 <br>Open-Prepayment charge is required but none issued on note. - Due Diligence Vendor-02/27/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR ratio 1.298<br>Qualifying FICO score is at least 20 points above minimum for program - 771 qualifying FICO score, 700 minimum required.<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed for cash-out transaction. | FICO 20 points or more above requirement.<br> Reserves 12+ months more than requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3492672 |
| XXXX | XXXX | 1121438 B A | Closed | FCOM5135 | 2025-03-05 13:44 | 2025-03-05 14:07 | 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-03/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - 58.33% LTV vs. max LTV of 80%<br>Qualifying DTI below maximum allowed - 39.33% vs. max DTI of 49.99%<br>Months Reserves exceed minimum required - 46 months reserves available vs. 0 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3535379 |
| XXXX | XXXX | 1121436 C B A | Closed | finding-3617 | 2025-03-05 10:54 | 2025-03-10 08:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-03/06/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-03/06/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/10/2025 | Qualifying DTI below maximum allowed - 30.38% vs. max DTI of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - 801 vs. 660 min |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3532075 |
| XXXX | XXXX | 1121436 C B A | Closed | FCOM5135 | 2025-03-05 10:36 | 2025-03-05 10:36 | 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-03/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025<br>| Qualifying DTI below maximum allowed - 30.38% vs. max DTI of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - 801 vs. 660 min |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3531830 |
| XXXX | XXXX | 1121462 C B A | Closed | FCRE8611 | 2025-03-11 09:25 | 2025-03-13 14:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. biz search. - Seller-03/11/2025 <br> Open-Verification of business phone search is missing. Business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. biz search. - Seller-03/11/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - 101 months available vs. 0 required<br>Qualifying DTI below maximum allowed - 22.43% vs. max DTI of 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 | 3579540 |
| XXXX | XXXX | 1121462 C B A | Closed | FPRO0021 | 2025-03-11 08:12 | 2025-03-13 14:07 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of 03/12/2025. No damage. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. PDI attached - Seller-03/12/2025 <br> Open-XXXX disaster after appraisal without a Individual PDI or 1004D. XXXX Incident Period: XXXX. PDI Required - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. PDI attached - Seller-03/12/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/13/2025 | Months Reserves exceed minimum required - 101 months available vs. 0 required<br>Qualifying DTI below maximum allowed - 22.43% vs. max DTI of 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 | 3578795 |
| XXXX | XXXX | 1121462 C B A | Closed | FPRO0022 | 2025-03-11 08:12 | 2025-03-11 09:35 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non material finding with comp factors - Public - Due Diligence Vendor-03/11/2025 <br> Open-XXXX disaster after appraisal without a Public PDI or 1004D. XXXX Incident Period: XXXX. - Due Diligence Vendor-03/11/2025 |  | Waived-Originator waiver applied to non material finding with comp factors - Public - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - 101 months available vs. 0 required<br>Qualifying DTI below maximum allowed - 22.43% vs. max DTI of 49.99% |  |  | 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 | 3578796 |
| XXXX | XXXX | 1121462 C B A | Closed | FCOM5135 | 2025-03-07 10:24 | 2025-03-07 10:25 | 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-03/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 101 months available vs. 0 required<br>Qualifying DTI below maximum allowed - 22.43% vs. max DTI of 49.99% |  |  | 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 | 3554927 |
| XXXX | XXXX | 1121475 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121459 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121433 D A | Closed | FCRE5782 | 2025-03-06 15:04 | 2025-03-11 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-03/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. soft pull - Seller-03/07/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - LTV 38.27% is less than 80% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 743 is higher than 720 minimum |  | 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 | 3548773 |
| XXXX | XXXX | 1121433 D A | Closed | FCRE1180 | 2025-03-07 06:01 | 2025-03-11 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. HOI and master policy - Seller-03/07/2025 <br>Open-HO-6 Insurance Policy is Missing Missing HO-6 policy for subject. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. HOI and master policy - Seller-03/07/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - LTV 38.27% is less than 80% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 743 is higher than 720 minimum |  | 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 | 3552742 |
| XXXX | XXXX | 1140803 C A | Closed | finding-3532 | 2025-03-04 15:32 | 2025-03-11 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received executed CD XXXX. Finding resolved. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. XXXX signed cd - Seller-03/10/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe 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. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. XXXX signed cd - Seller-03/10/2025 | Resolved-Received executed CD XXXX. Finding resolved. - Due Diligence Vendor-03/11/2025 | Qualifying DTI below maximum allowed - 5.26% DTI is below 50% maximum <br>LTV is less than guideline maximum - 73.47% LTV is less than 80% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3526434 |
| XXXX | XXXX | 1121339 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121507 C A | Closed | FCRE8611 | 2025-03-18 06:25 | 2025-03-25 13:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received EA verification. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Please see CPA verification from IRS - Seller-03/21/2025 <br>Counter-CPA letter provided, please provide the CPA verification as PTIN are not allowed. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. please see CPA letter - Seller-03/19/2025 <br>Open-Missing CPA Validation Document - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. Please see CPA verification from IRS - Seller-03/21/2025 <br>Ready for Review-Document Uploaded. please see CPA letter - Seller-03/19/2025<br>| Resolved-Received EA verification. - Due Diligence Vendor-03/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 816 is higher than required 660 minimum FICO <br>Months Reserves exceed minimum required - 8.68 months reserves exceed 0 months required |  | 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 | 3633385 |
| XXXX | XXXX | 1121505 D B A | Closed | FCRE3464 | 2025-03-18 16:56 | 2025-03-21 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received Internet search and DBA verification. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. please see business phone number verification - Seller-03/19/2025 <br> Open-Business phone number verification via XXXX Search, XXXX or internet is missing<br> - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. please see business phone number verification - Seller-03/19/2025<br>| Resolved-Received Internet search and DBA verification. - Due Diligence Vendor-03/21/2025<br>| Months Reserves exceed minimum required - Borrower has 93 months of qualifying PnI reserves after the refinance, 4 months reserves required. <br>Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 700 minimum score required. |  | 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 | 3641156 |
| XXXX | XXXX | 1121505 D B A | Closed | FCOM5135 | 2025-03-17 08:25 | 2025-03-17 09:33 | 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-03/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------ Originator waiver applied to non-material Findings - Due Diligence Vendor-03/17/2025<br>| Months Reserves exceed minimum required - Borrower has 93 months of qualifying PnI reserves after the refinance, 4 months reserves required. <br>Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 700 minimum score required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3623739 |
| XXXX | XXXX | 1121511 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121501 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1121553 B A | Closed | FCOM5135 | 2025-03-18 11:08 | 2025-03-18 11:08 | 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-03/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2025<br>| Months Reserves exceed minimum required - Borrower has 16.74 months of verified P&I reserves, 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 727 qualifying FICO score, 660 minimum required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3636130 |
| XXXX | XXXX | 1121536 B A | Closed | FCOM5135 | 2025-03-21 12:18 | 2025-03-21 12:18 | 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-03/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 707 ; guidelines require 660<br>Months Reserves exceed minimum required - o 9 months reserves; 04 months reserves required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3669220 |
| XXXX | XXXX | 1115806 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 1121559 C B A | Closed | FCRE0044 | 2025-04-02 15:03 | 2025-04-04 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please review the document - Seller-04/02/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Missing LOE for the inquiry on XXXX with XXXX and XXXX inv reporting on the Gap Report. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please review the document - Seller-04/02/2025<br>| Resolved-Received LOE - Due Diligence Vendor-04/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than 660 minimum required <br>LTV is less than guideline maximum - LTV 64.936% is lower than the 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3755279 |
| XXXX | XXXX | 1121559 C B A | Closed | FCRE5790 | 2025-03-28 22:17 | 2025-04-02 15:01 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Please review the credit refresh - Seller-04/01/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Please review the credit refresh - Seller-04/01/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than 660 minimum required <br>LTV is less than guideline maximum - LTV 64.936% is lower than the 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3725075 |
| XXXX | XXXX | 1121559 C B A | Closed | FCOM5135 | 2025-03-27 11:08 | 2025-03-27 11:08 | 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.<br> - Due Diligence Vendor-03/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 804 is higher than 660 minimum required <br>LTV is less than guideline maximum - LTV 64.936% is lower than the 80% max allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3709003 |
| XXXX | XXXX | 1121566 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 | XXXX | 1121547 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 | XXXX | 1121578 D B A | Closed | FCRE5782 | 2025-04-01 16:41 | 2025-04-04 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-04/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-04/02/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-04/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 773 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Reserves 16.34 months are higher than 4 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3746053 |
| XXXX | XXXX | 1121578 D B A | Closed | FCOM5135 | 2025-03-31 17:06 | 2025-03-31 17:06 | 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-03/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 773 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Reserves 16.34 months are higher than 4 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 3735119 |
| XXXX | XXXX | 1115846 D B A | Closed | FCRE9996 | 2025-04-11 08:46 | 2025-04-17 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025 <br>Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subject unit is located is completed along with all prior phases. In addition, the project's elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025 <br>Open-1. Per questionnaire, project is not 100% completed. The project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. <br> 2. Pre-sale requirement not met: 50% of the total units in the project or subject's phase must be sold or under contract (46%) - Due Diligence Vendor-04/11/2025 | Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subject unit is located is completed along with all prior phases. In addition, the project's elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025<br>| Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score 733<br>DSCR % greater than 1.20 - DSCR 1.37 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3838286 |
| XXXX | XXXX | 1115846 D B A | Closed | FCRE3466 | 2025-04-11 08:47 | 2025-04-15 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved-Received full coverage dec page. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/11/2025 <br> Open-XXXX Coverage missing - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/11/2025<br>| Resolved-Received full coverage dec page. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score 733<br>DSCR % greater than 1.20 - DSCR 1.37 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3838290 |
| XXXX | XXXX | 1115846 D B A | Closed | FCRE0095 | 2025-04-11 09:12 | 2025-04-11 10:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will accept - Due Diligence Vendor-04/11/2025 <br> Open-EXCEPTION in file: To use only 1007 for STR as the 1007 already indicates XXXX. Using 80% of 1007 and waiving XXXX overlay<br> - Due Diligence Vendor-04/11/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will accept - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score 733<br>DSCR % greater than 1.20 - DSCR 1.37 | LTV is 5% below maximum<br> FICO 20+ points above min |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 3838516 |
| XXXX | XXXX | 1115868 D A | Closed | FCRE1325 | 2025-04-16 11:39 | 2025-06-12 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-XXXX provided does not provide % of ownership. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Borrower 1 CPA Letter Missing CPA is missing Verification of Ownership Percentage - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-BBB provided does not provide % of ownership. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - DTI = 8.66% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 797 Min FICO = 680 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3879334 |
| XXXX | XXXX | 1115833 C A | Closed | FCRE1102 | 2025-04-09 14:56 | 2025-04-18 16:39 | Resolved | 1 - Information C A | Credit | Closing | Note Date is greater than current date | Resolved-Received XXXX Affidavit confirming correct notary date. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX Affidavit signed by the Notary. - Seller-04/17/2025 <br> Open-Note Date of XXXX is greater than Notary Acknowledgment Date of XXXX Notary date is prior to closing date<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Please see attached Scrivener's Affidavit signed by the Notary. - Seller-04/17/2025<br>| Resolved-Received Scrivener's Affidavit confirming correct notary date. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - 27.26mos reserves. Per guides, 12 reserves required.<br>Long term residence - B1 living in primary home for 7 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3820735 |
| XXXX | XXXX | 1115833 C A | Closed | FCRE1115 | 2025-04-09 14:56 | 2025-04-18 16:39 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received Scrivener's Affidavit confirming correct notary date. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Scrivener's Affidavit signed by the Notary. - Seller-04/17/2025 <br> Open-Security Instrument Date is greater than the transaction date of XXXX Notary date is prior to closing date - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Please see attached Scrivener's Affidavit signed by the Notary. - Seller-04/17/2025<br>| Resolved-Received Scrivener's Affidavit confirming correct notary date. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - 27.26mos reserves. Per guides, 12 reserves required.<br>Long term residence - B1 living in primary home for 7 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3820736 |
| XXXX | XXXX | 1115810 C B A | Closed | finding-2504 | 2025-04-11 10:16 | 2025-06-13 16:23 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Counter-Received PCCD XXXX, New Right to Cancel, Refund check for XXXX, LOE and shipping label. The refund was not disclosed on the PCCD. Finding remains. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 <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 XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. -----Finance charge is understated by XXXX which exceeds threshold of $35. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 | LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 60%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.54% |  | 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 | 3839191 |
| XXXX | XXXX | 1115810 C B A | Closed | finding-3634 | 2025-04-11 10:16 | 2025-06-13 16:23 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Counter-Received PCCD XXXX, New Right to Cancel, Refund check for XXXX, LOE and shipping label. The amount to cure the tolerance violation is a refund of XXXX. Finding remains. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 <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 (Title Admin Fee added to section B) 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-04/11/2025 | Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 | LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 60%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.54% |  | 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 | 3839190 |
| XXXX | XXXX | 1115810 C B A | Closed | finding-651 | 2025-04-11 10:16 | 2025-06-13 16:21 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Counter-Received PCCD XXXX, New Right to Cancel, Refund check for XXXX, LOE and shipping label. The refund was not disclosed on the PCCD. Finding remains. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100 at $150. Provide evidence of refund or principal reduction of $150, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached PCCD showing a total cure of XXXX applied on the last line item of page 2. (XXXX cure from Closing; XXXX to cure findings) - Seller-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2025 | Cured-Received PCCD XXXX with lender credits in correct section. - Due Diligence Vendor-06/13/2025 | LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 60%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.54% |  | 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 | 3839188 |
| XXXX | XXXX | 1115810 C B A | Closed | FCRE5790 | 2025-04-16 15:39 | 2025-04-21 13:48 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap report. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit or UDM report to be within 10 days of closing. Most recent UDM in file is 23 days from closing. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 60%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.54% |  | 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 | 3882910 |
| XXXX | XXXX | 1115810 C B A | Closed | FCRE1441 | 2025-04-16 15:39 | 2025-04-17 06:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material only 1 mortgage late in over 5 years reporting on credit. - Due Diligence Vendor-10/28/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Lender approved exception for 1X30 mortgage late. - Due Diligence Vendor-04/16/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material only 1 mortgage late in over 5 years reporting on credit. - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 60%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.54% | DTI is 5% lower than maximum<br> LTV is 5% lower than maximum<br> Living in primary for 7+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3882909 |
| XXXX | XXXX | 1115802 C A | Closed | FCRE1440 | 2025-04-19 22:01 | 2025-04-23 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Please refer to the XXXX monthly payment amount (which is sum of the XXXX and XXXX payments) on the VOM and the Additional Information section indicating "the loan is shared with 2 lenders". Furthermore, item 7 on the title report confirms the same "Record in the Public Records a release or satisfaction of the Mortgage in favor of XXXX and XXXX, recorded as Official Record Instrument No. XXXX, together with Collateral Assignment of Rents and Leases recorded in Official Records Instrument No. XXXX". - Seller-04/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM from 2nd individual noted in Title Schedule B 1 #7. File includes a VOM from the first party and copies of checks for XXXX payable to that party. File also includes copies of checks for XXXX payable to the 2nd party noted in Title B17, but is missing the VOM. Payoff in file provides 2 separate amounts for the two parties. - Due Diligence Vendor-04/20/2025 | Ready for Review-Please refer to the XXXX monthly payment amount (which is sum of the XXXX and XXXX payments) on the VOM and the Additional Information section indicating "the loan is shared with 2 lenders". Furthermore, item 7 on the title report confirms the same "Record in the Public Records a release or satisfaction of the Mortgage in favor of XXXX and XXXX, recorded as Official Record Instrument No. XXXX, together with Collateral Assignment of Rents and Leases recorded in Official Records Instrument No. XXXX". - Seller-04/21/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - 54.23% LTV is less than 60% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 651 FICO exceeds 640 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3909677 |
| XXXX | XXXX | 1115802 C A | Closed | FCRE6618 | 2025-04-19 21:46 | 2025-04-23 15:29 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected 1003 reflecting borrower is a Permanent Resident Alien as verified by the Permanent Resident card provided in the loan file. - Seller-04/21/2025 <br> Open-1003 identifies borrower as XXXX citizen but file includes a copy of green card (PDF 480). Additional findings may apply. - Due Diligence Vendor-04/20/2025 | Ready for Review-Document Uploaded. Please see attached corrected 1003 reflecting borrower is a Permanent Resident Alien as verified by the Permanent Resident card provided in the loan file. - Seller-04/21/2025<br>| Resolved-Received corrected 1003. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - 54.23% LTV is less than 60% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 651 FICO exceeds 640 minimum required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3909668 |
| XXXX | XXXX | 1115808 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 | XXXX | 1140805 C B A | Closed | FCRE1200 | 2025-04-30 14:18 | 2025-10-28 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted loan amount < $300,000 waiver applied with reviewed compfactors - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. LOAN AMOUNT EXCEPTION - Seller-05/01/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 No exception was noted<br> - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. LOAN AMOUNT EXCEPTION - Seller-05/01/2025<br>| Waived-Originator exception granted loan amount < $300,000 waiver applied with reviewed compfactors - Due Diligence Vendor-10/28/2025<br>| DSCR % greater than 1.20 - 1.713<br>Months Reserves exceed minimum required - 27 months available, vs 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum | --Reserves: 27 months >3 months required; FICO: 784 > 700 minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4007560 |
| XXXX | XXXX | 1140805 C B A | Closed | FCRE3599 | 2025-04-30 14:19 | 2025-04-30 16:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to borrower paying off a blanket mortgage for all XXXX properties, has paid timely on blanket mortgage for past 36 months. - Due Diligence Vendor-04/30/2025 <br> Open-Exposure exceeded at XXXX properties at approximately XXXX - Due Diligence Vendor-04/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to borrower paying off a blanket mortgage for all 20 properties, has paid timely on blanket mortgage for past 36 months. - Due Diligence Vendor-04/30/2025<br>| DSCR % greater than 1.20 - 1.713<br>Months Reserves exceed minimum required - 27 months available, vs 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum | FICO 20 points over minimum<br> Reserves 12+ months over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4007567 |
| XXXX | XXXX | 1140810 D B A | Closed | FCRE0082 | 2025-05-01 11:15 | 2025-05-05 14:22 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received deed - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. deed - Seller-05/02/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing Fully Executed Quit-Claim to XXXX. Vesting on title doesn't match current business name, there was an un-signed QCD. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. deed - Seller-05/02/2025<br>| Resolved-Received deed - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - 55 months vs. 3 required<br>DSCR % greater than 1.20 - 1.529<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4015776 |
| XXXX | XXXX | 1140810 D B A | Closed | FCRE0700 | 2025-04-24 11:31 | 2025-05-05 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. settlement stmt - Seller-05/02/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing the closing statement. Note that Audit took the cash to close figure from the UW summary that was in the file. Audit also made the assumption that the taxes and insurance are escrowed from the payment letter that was provided. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. settlement stmt - Seller-05/02/2025<br>| Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - 55 months vs. 3 required<br>DSCR % greater than 1.20 - 1.529<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3951718 |
| XXXX | XXXX | 1140810 D B A | Closed | FCRE1200 | 2025-05-01 11:35 | 2025-05-05 14:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted loan amount <$300,000 – wavier applied with reviewed compfactors --FICO: 784>700 minimum required; Reserves: 46 months > 3 months required. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-05/02/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 No exception was noted - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-05/02/2025<br>| Waived-Originator exception granted loan amount <$300,000 – wavier applied with reviewed compfactors --FICO: 784>700 minimum required; Reserves: 46 months > 3 months required. - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - 55 months vs. 3 required<br>DSCR % greater than 1.20 - 1.529<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4016024 |
| XXXX | XXXX | 1140810 D B A | Closed | FCRE3599 | 2025-05-01 11:36 | 2025-05-01 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to borrower paying off a blanket mortgage for all XXXX properties, has paid timely on blanket mortgage for past 36 months. - Due Diligence Vendor-05/01/2025 <br> Open-Exposure exceeded at XXXX properties at approximately XXXX - Due Diligence Vendor-05/01/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to borrower paying off a blanket mortgage for all 20 properties, has paid timely on blanket mortgage for past 36 months. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 55 months vs. 3 required<br>DSCR % greater than 1.20 - 1.529<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. 700 minimum | FICO 20 points over minimum<br> Reserves 12+ months over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4016040 |
| XXXX | XXXX | 1120140 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120085 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 1120126 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120108 C B A | Closed | FCRE1198 | 2025-07-30 16:18 | 2025-07-30 16:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow short reserves. Non-material waiver applied to finding with compensating factors. Non-Material < 1 month variance - Due Diligence Vendor-07/30/2025 <br>Open-\*New\* Audited Reserves of 5.13 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/30/2025 |  | Waived-Originator exception granted to allow short reserves. Non-material waiver applied to finding with compensating factors. Non-Material < 1 month variance - Due Diligence Vendor-07/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, DSCR is 1.039<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 800 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5000141 |
| XXXX | XXXX | 1120108 C B A | Closed | FCRE1449 | 2025-05-10 12:36 | 2025-07-30 16:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Expired | Resolved-Asset 7 Not Expired Or Not Applicable - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Counter-Excluding XXXX will result in insufficient reserves. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Hello, please waive condition. Documented asset dated XXXX had a balance of over XXXX. Funds of XXXX were sent in XXXX. This would be within the document exp requirement. Borrower has sufficient funds to close and reserves (XXXX) less amount of XXXX and funds of XXXX wired at closing come to XXXX. This also is well over reserve requirement. Large deposits not required to be sourced on DSCR - Seller-07/24/2025 <br> Open-Asset 7 Expired - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Ready for Review-Hello, please waive condition. Documented asset dated XXXX had a balance of over XXXX. Funds of XXXX were sent in XXXX. This would be within the document exp requirement. Borrower has sufficient funds to close and reserves (over XXXX) less amount of XXXX and funds of XXXX wired at closing come to XXXX. This also is well over reserve requirement. Large deposits not required to be sourced on DSCR - Seller-07/24/2025 | Resolved-Asset 7 Not Expired Or Not Applicable - Due Diligence Vendor-07/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, DSCR is 1.039<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4105779 |
| XXXX | XXXX | 1120108 C B A | Closed | FCRE7375 | 2025-05-09 14:24 | 2025-05-10 12:39 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/B2 being U.S. Citizen and high FICO - Due Diligence Vendor-05/10/2025 <br> Open-Exception in file to allow Non-perm Residenent Alien with No FICO. They have an SSN, XXXX tradelines and FICO. Borrower 2 meets tradeline requirements and FICO requirements - Due Diligence Vendor-05/10/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/B2 being U.S. Citizen and high FICO - Due Diligence Vendor-05/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, DSCR is 1.039<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 800 | B2 FICO more than 20 points over program min<br> B2 Credit History exceeds min req<br> B2 property owned F&C |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4098447 |
| XXXX | XXXX | 1120064 D A | Closed | FCRE8701 | 2025-05-12 08:59 | 2025-07-31 14:11 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Executed operating agreement provided. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025 <br> Counter-Operating agreement dated XXXX-is not executed. Please provide complete most recent Operating agreement . - Due Diligence Vendor-05/14/2025 <br> Ready for Review-The requested documents were in the uploaded file. Please refer to pages 409-416, 886-907. - Seller-05/13/2025 <br> Open-The Business Entity Formation Document is Missing Provide the Business Entity documentation. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025 <br>Ready for Review-The requested documents were in the uploaded file. Please refer to pages 409-416, 886-907. - Seller-05/13/2025<br>| Resolved-Executed operating agreement provided. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 45.95 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR % is > than 1% (1.19%) and the min allowed is .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4111300 |
| XXXX | XXXX | 1120064 D A | Closed | FCRE8700 | 2025-05-12 14:28 | 2025-07-31 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Business Entity EIN provided. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025<br>| Resolved-Business Entity EIN provided. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 45.95 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR % is > than 1% (1.19%) and the min allowed is .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4117757 |
| XXXX | XXXX | 1120064 D A | Closed | FCRE7009 | 2025-05-12 09:28 | 2025-07-31 14:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE provided from the time the policy was written, which confirms sufficient coverage. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Spoke with XXXX at XXXX and confirmed the property is a Replacement Cost Policy and would have been written based on the RCE at the time of renewal. The RCE previously provided was incorrect as a New RCE is not required until the renewal period to adjust the policy accordingly. Please see attached RCE which is the effective RCE used to issue the current policy in place. We ask that this condition please be cleared. - Seller-07/31/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide proof of sufficient Hazard Insurance coverage for the subject property. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Spoke with XXXX at XXXX and confirmed the property is a Replacement Cost Policy and would have been written based on the RCE at the time of renewal. The RCE previously provided was incorrect as a New RCE is not required until the renewal period to adjust the policy accordingly. Please see attached RCE which is the effective RCE used to issue the current policy in place. We ask that this condition please be cleared. - Seller-07/31/2025 | Resolved-RCE provided from the time the policy was written, which confirms sufficient coverage. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 45.95 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR % is > than 1% (1.19%) and the min allowed is .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4111648 |
| XXXX | XXXX | 1120138 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120100 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 1120124 C B A | Closed | FCRE8888 | 2025-05-15 11:05 | 2025-05-19 15:48 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received final CDs for both REOs. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br> Open-Provide loan docs to verify terms of simultaneous XXXX refi loans for properties D & E. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Received final CDs for both REOs. - Due Diligence Vendor-05/19/2025<br>| Credit history exceeds minimum required - Borrower has 0X30 mortgage history for 24+ months.<br>Long term residence - Borrower has resided at primary home for 4+ years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4150335 |
| XXXX | XXXX | 1120124 C B A | Closed | FCRE1194 | 2025-05-15 10:58 | 2025-05-15 13:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Originator exception to allow 80% LTV. on-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/15/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception Granted: LTV exception approved to 80%, with FICO of 707. Guideline LTV max 75%. - Due Diligence Vendor-05/15/2025 |  | Waived- Originator exception to allow 80% LTV. on-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/15/2025<br>| Credit history exceeds minimum required - Borrower has 0X30 mortgage history for 24+ months.<br>Long term residence - Borrower has resided at primary home for 4+ years. | 1. 4+ yrs on job.<br> 2. 4+ yrs Primary<br> 3. 0X30 mortgage history 24+ months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4150268 |
| XXXX | XXXX | 1120125 D B A | Closed | FCRE7497 | 2025-05-15 15:12 | 2025-05-19 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br> Open-Missing loan docs to verify terms of simultaneous XXXX loan for property 3D. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Received CD. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 707 FICO; 680 required<br>Long term residence - Borrower has resided at primary home for 4+ years.<br>Credit history exceeds minimum required - Borrower has 0X30 mortgage history for 24+ months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4154931 |
| XXXX | XXXX | 1120125 D B A | Closed | FCRE1194 | 2025-05-15 14:53 | 2025-05-15 15:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/15/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception Granted: LTV exception approved to 80%, with FICO of 707. Guideline LTV max 75%. - Due Diligence Vendor-05/15/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 707 FICO; 680 required<br>Long term residence - Borrower has resided at primary home for 4+ years.<br>Credit history exceeds minimum required - Borrower has 0X30 mortgage history for 24+ months. | 1. 4+ yrs on job.<br> 2. 4+ yrs Primary<br> 3. 0X30 mortgage history 24+ months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4154674 |
| XXXX | XXXX | 1120090 C B A | Closed | FCRE1148 | 2025-05-16 08:53 | 2025-06-16 15:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title received - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title commitment provided is less than the loan amount. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2025<br>| Resolved-Updated title received - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrowers have 8.69 documented<br>DSCR % greater than 1.20 - DSCR = 1.475 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4161954 |
| XXXX | XXXX | 1120090 C B A | Closed | FCRE1441 | 2025-05-16 09:17 | 2025-05-21 15:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow not to bring Timeshare current . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception. Due to Glitch in our system, it did not save to our loan file. - Seller-05/20/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Time share reporting as of XXXX past due XXXX. Per guidelines past due accounts must be brought current. Time share Exit Agreement provided dated XXXX states termination, cancellation, or rescission of the Client's contractual timeshare interest in approximately thirty-six months - Audit unable to confirm past due amount has been satisfied. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see attached Exception. Due to Glitch in our system, it did not save to our loan file. - Seller-05/20/2025<br>| Waived-Originator exception granted to allow not to bring Timeshare current . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrowers have 8.69 documented<br>DSCR % greater than 1.20 - DSCR = 1.475 | LTV is 5% less than guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4162192 |
| XXXX | XXXX | 1120068 C B A | Closed | FCRE1159 | 2025-05-16 12:34 | 2025-07-30 16:14 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Received Post Close policy with an effective date of XXXX. Non-Material Grade B. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please see - Seller-07/28/2025 <br> Counter-Policy provided appears to be a quote as the policy number is TBD. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. The Effective date of the HOI is XXXX through XXXX. - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. The Effective date of the HOI is XXXX through XXXX. - Seller-05/19/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX HOI Effective date after close/funded date. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. The Effective date of the HOI is XXXX through XXXX. - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. The Effective date of the HOI is XXXX through XXXX. - Seller-05/19/2025 | Waived-Received Post Close policy with an effective date of XXXX. Non-Material Grade B. - Due Diligence Vendor-07/30/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, borrowers DSCR is 1.047%<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 11.83 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 4165130 |
| XXXX | XXXX | 1120068 C B A | Closed | FCRE1148 | 2025-05-16 14:36 | 2025-06-06 11:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Pls see attached. - Seller-06/05/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Pls see attached. - Seller-06/05/2025<br>| Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-06/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, borrowers DSCR is 1.047%<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 11.83 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4167067 |
| XXXX | XXXX | 1120077 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 1120078 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 1120147 C B A | Closed | FCRE1498 | 2025-05-21 08:34 | 2025-06-16 15:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow first time homebuyer on DSCR purchase on XXXX program. Non-material waiver applied with comp factors. Deemed non-material due to borrower has two year clean rental history and the FTHB rule is exclusive to the XXXX program. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Counter-Per the XXXX matrix non-owner occupied, FTHB not Allowed for DSCR. Finding remains. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Seller-05/22/2025 <br> Ready for Review-We respectfully disagree. The DSCR guidelines allow for a FTHB. A FTHB is defined as an applicant who have never previously owned a home (real property); therefore, a borrower cannot be a FTHB without being a First Time Investor. The restriction for a FTHB is if the borrower is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR. The borrower for this loan has over 12 months rental history and would not be restricted to the LTV and DSCR ratio restrictions. - Seller-05/22/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) B1 currently rents primary home. 1003 reflect no additional REO's owned by B1. Audit also confirmed from Fraud report B1 does not own any other REO's. Per guidelines First time investor requirements: Borrower / guarantor must currently own a primary residence for at least one (1) year. Refer to guideline 4.2.2 First Time Investor. Section 4.2.3 of guides refers to FTHB but loan would not be eligible as LTV is capped at 70% and requires DSCR of 1. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Ready for Review-We respectfully disagree. The DSCR guidelines allow for a FTHB. A FTHB is defined as an applicant who have never previously owned a home (real property); therefore, a borrower cannot be a FTHB without being a First Time Investor. The restriction for a FTHB is if the borrower is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR. The borrower for this loan has over 12 months rental history and would not be restricted to the LTV and DSCR ratio restrictions. - Seller-05/22/2025<br>| Waived-Originator exception granted to allow first time homebuyer on DSCR purchase on XXXX program. Non-material waiver applied with comp factors. Deemed non-material due to borrower has two year clean rental history and the FTHB rule is exclusive to the XXXX program. - Due Diligence Vendor-06/16/2025 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 17 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 741. | Qualifying FICO score is at least 20 points above minimum for program<br> Reserves 3+ months above minimum required<br> 24+ month credit history exceeds minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4201943 |
| XXXX | XXXX | 1120072 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120047 D A | Closed | FCRE0117 | 2025-05-23 11:07 | 2025-06-16 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Upon further review condo is warranted, lender attestation is not required. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please waive as the 1008 delivered in the closed loan file reflects the project review type of Full Review - Seller-06/12/2025 <br>Open-Missing lender's attestation for Condo Warrantability - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Please waive as the 1008 delivered in the closed loan file reflects the project review type of Full Review - Seller-06/12/2025<br>| Resolved-Upon further review condo is warranted, lender attestation is not required. - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 753<br>Qualifying DTI below maximum allowed - 50% max DTI, borrowers DTI is 37.17% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4228238 |
| XXXX | XXXX | 1120047 D A | Closed | FCRE1728 | 2025-05-23 11:07 | 2025-05-28 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review not required. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-We Kindly Disagree; Please note there was no rental income used from the subject property to qualify. Therefore, a 1007 would not be required. - Seller-05/23/2025 | Ready for Review-We Kindly Disagree; Please note there was no rental income used from the subject property to qualify. Therefore, a 1007 would not be required. - Seller-05/23/2025<br>| Resolved-Upon further review not required. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 753<br>Qualifying DTI below maximum allowed - 50% max DTI, borrowers DTI is 37.17% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4228213 |
| XXXX | XXXX | 1120164 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120206 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120149 B A | Closed | FCRE1232 | 2025-05-23 16:18 | 2025-05-23 16:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025 <br> Open--Exception Approved to use lease amount of XXXX, which is 140% of the 1007 market rent of XXXX. Non-material. Using actual rent in Place to qualify. - Due Diligence Vendor-05/23/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Verified assets of 5.29 months exceeds the minimum required of 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 747 is higher than the minimum FICO required of 700 | -FICO is 47 points higher than minimum required<br> - Sourced roof of security deposit and first month's rent<br> -6 months Reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4234562 |
| XXXX | XXXX | 1120177 C A | Closed | FCRE1181 | 2025-05-27 09:41 | 2025-05-28 09:44 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Upon further review, signed document in file. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-The requested document was uploaded with the file, please refer to pages 745-746. - Seller-05/27/2025 <br> Open-Subject Property is in Flood Zone XXXX but Notice of Special Flood Hazard Disclosure was not provided Provide the signed and dated Notice of Special Flood Hazard Disclosure. - Due Diligence Vendor-05/27/2025 | Ready for Review-The requested document was uploaded with the file, please refer to pages 745-746. - Seller-05/27/2025<br>| Resolved-Upon further review, signed document in file. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 756 <br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 126.90 mths in reserves |  |  | 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 | 4242547 |
| XXXX | XXXX | 1120182 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120190 D A | Closed | FCRE5116 | 2025-05-27 11:57 | 2025-07-24 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Copy of Note and Payments received. First payment was due XXXX - all payments through Closing were made on-time. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Counter-Documentation noted not provided-VOM required or copy of Note and bank statements, cancelled check or printout support payments made - Due Diligence Vendor-06/17/2025 <br> Ready for Review-We disagree, please note that per the Title Report; the loan being paid off with XXXX was originated on XXXX, supporting the first payment would be due on XXXX. Documentation in the file supports the following: XXXX Payment paid on XXXX; XXXX Payment poste on XXXX (Both on Mortgage Statement), and, the Payoff, dated XXXX shows the loan current with the next payment due on XXXX. We ask that this condition be cleared. - Seller-06/16/2025 <br> Counter-Missing VOM; finding remains. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Please note that the Late charge, if a payment is made after the 10th of the month, is XXXX. Since the Payoff is showing a G/T Date of XXXX, and the loan is due for the XXXX Payment, the Late charge for XXXX would have be included in the payoff. We ask that this condition be cleared. - Seller-05/28/2025 <br> Open-Mortgage for Subject is not reflected on Credit Report and payoff shows accrued late charges - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Ready for Review-We disagree, please note that per the Title Report; the loan being paid off with XXXX was originated on XXXX, supporting the first payment would be due on XXXX. Documentation in the file supports the following: XXXX Payment paid on XXXX; XXXX Payment poste on XXXX (Both on Mortgage Statement), and, the Payoff, dated 5/2/2025 shows the loan current with the next payment due on 05/01/2025. We ask that this condition be cleared. - Seller-06/16/2025 <br> Ready for Review-Please note that the Late charge, if a payment is made after the 10th of the month, is XXXX. Since the Payoff is showing a G/T Date of XXXX, and the loan is due for the XXXX Payment, the Late charge for XXXX would have be included in the payoff. We ask that this condition be cleared. - Seller-05/28/2025 | Resolved-Copy of Note and Payments received. First payment was due XXXX - all payments through Closing were made on-time. - Due Diligence Vendor-07/24/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, borrowers DSCR 1.07<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4244982 |
| XXXX | XXXX | 1120114 C B A | Closed | FCRE0104 | 2025-05-27 13:30 | 2025-07-25 10:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Received PCCD removing PPP and LOE to borrower stating PPP no longer applicable. Originator waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached documents sent to the borrower which serve in explaining to the borrower that there will not be a prepayment penalty assessed if paid early. We also note that the Note contains the verbiage stating a prepayment may be assessed "Unless otherwise prohibited by applicable law or regulation." We ask that this condition please be waived. - Seller-07/24/2025 <br> Counter-Revised-Permitted on legal entities only. Prepay is not allowed to individuals. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX. - Seller-05/27/2025 <br> Open-Prepayment Penalty is not permitted on loans since the interest rate is equal to or greater than 6%. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached documents sent to the borrower which serve in explaining to the borrower that there will not be a prepayment penalty assessed if paid early. We also note that the Note contains the verbiage stating a prepayment may be assessed "Unless otherwise prohibited by applicable law or regulation." We ask that this condition please be waived. - Seller-07/24/2025 <br> Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX. - Seller-05/27/2025 | Waived-Received PCCD removing PPP and LOE to borrower stating PPP no longer applicable. Originator waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower's reserves 10.4.7 mths <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less. The borrower's DSCR % is 1.176 and the minimum is .75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4246470 |
| XXXX | XXXX | 1120114 C B A | Closed | FCRE9996 | 2025-05-27 13:18 | 2025-06-10 17:23 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received signed and dated questionnaire. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/09/2025 <br>Open-Provide the last name of the person completing the Condo Questionnaire as well as their signature. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/09/2025<br>| Resolved-Received signed and dated questionnaire. - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower's reserves 10.4.7 mths <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less. The borrower's DSCR % is 1.176 and the minimum is .75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4246300 |
| XXXX | XXXX | 1120114 C B A | Closed | FCRE0099 | 2025-05-27 13:18 | 2025-06-04 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Corrected appraisal with correct unit count was provided. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected appraisal with correct unit count. - Seller-06/02/2025 <br> Counter-Documentation is insufficient-appraisal reflect 60 units condo questionnaire reflects XXXX. Original finding remains. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Please clarify the finding. Appraisal and Condo Questionnaire both indicate XXXX units total and 37 Investment/Rented. - Seller-05/27/2025 <br> Open-Provide the Appraisal that Condo questions match the Condo Questionnaire. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached corrected appraisal with correct unit count. - Seller-06/02/2025 <br> Ready for Review-Please clarify the finding. Appraisal and Condo Questionnaire both indicate XXXX units total and 37 Investment/Rented. - Seller-05/27/2025 | Resolved-Corrected appraisal with correct unit count was provided. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower's reserves 10.4.7 mths <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less. The borrower's DSCR % is 1.176 and the minimum is .75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4246291 |
| XXXX | XXXX | 1120114 C B A | Closed | FCRE1291 | 2025-05-27 13:21 | 2025-05-29 18:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 DOT Signature does not Match Note | Resolved-Received all pages to Note - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025 <br>Open-Provide all pages of the Note. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025<br>| Resolved-Received all pages to Note - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower's reserves 10.4.7 mths <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less. The borrower's DSCR % is 1.176 and the minimum is .75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4246343 |
| XXXX | XXXX | 1120114 C B A | Closed | FVAL5474 | 2025-05-27 13:23 | 2025-05-27 15:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted to allow Single entity to own > 50%, Non-material waiver applied with comp factors. non-material due to non-warrantable condo - Due Diligence Vendor-05/27/2025 <br>Open-Exception Request: Single entity ownership in project up to 50% max. Exception to allow single entity at 55.8%. - Due Diligence Vendor-05/27/2025 |  | Waived-Originator exception granted to allow Single entity to own > 50%, Non-material waiver applied with comp factors. non-material due to non-warrantable condo - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower's reserves 10.4.7 mths <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is .85 or less. The borrower's DSCR % is 1.176 and the minimum is .75%. | - 4+yrs in primary residence<br> - 24+ mths on time mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4246359 |
| XXXX | XXXX | 1120141 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 1120155 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 1120150 C A | Closed | finding-3634 | 2025-05-27 15:07 | 2025-05-28 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit on final CD XXXX, XXXX for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/28/2025 <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). Lender credit on final CD XXXX, XXXX for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/27/2025 |  | Resolved-Lender credit on final CD XXXX, XXXX for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-05/28/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 34.38<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $9K residual |  |  | 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 | 4248119 |
| XXXX | XXXX | 1120181 C B A | Closed | FCRE1200 | 2025-05-28 13:58 | 2025-05-28 14:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow loan amount < $100,000, Non-material waiver applied with comp factors. non-material due to loan amount slightly lower at XXXX - Due Diligence Vendor-05/28/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Exception was approved - Due Diligence Vendor-05/28/2025 |  | Waived-Originator exception granted to allow loan amount < $100,000, Non-material waiver applied with comp factors. non-material due to loan amount slightly lower at XXXX - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - 33 months vs. 0 required<br>DSCR % greater than 1.20 - 1.466 | DSCR > 1.2; reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4259439 |
| XXXX | XXXX | 1124176 C B A | Closed | FCRE9999 | 2025-06-10 16:55 | 2025-06-12 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Upon further review, the address is listed on the lease agreement. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-We respectfully disagree. The Landlord and Premises information appear to be transposed. Both are completed and on the lease agreement, they are just on the incorrect line. - Seller-06/10/2025 <br>Open-\*New\* - Lease agreement in the loan file does not reflect the subject property address, only a Unit Number. - Due Diligence Vendor-06/10/2025 | Ready for Review-We respectfully disagree. The Landlord and Premises information appear to be transposed. Both are completed and on the lease agreement, they are just on the incorrect line. - Seller-06/10/2025<br>| Resolved-Upon further review, the address is listed on the lease agreement. - Due Diligence Vendor-06/12/2025<br>| Credit history exceeds minimum required - 24+ months of clean credit.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 738. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4403196 |
| XXXX | XXXX | 1124176 C B A | Closed | FCRE1194 | 2025-05-29 09:08 | 2025-06-10 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, lease agreement was located in the loan file. Maximum LTV is 75%. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Please note the lease agreement was delivered with the loan file on pages 489-492. - Seller-06/06/2025 <br>Counter-Please provide the lease agreement as one was not located in file and the appraisal reflects the subject as vacant. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-We respectfully disagree. The DSCR ratio is 1.041 based on the Lease Agreement as permitted by guidelines stating on Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease <br> provided the difference is not greater than 20%. - Seller-06/02/2025 <br>Open-Audited LTV of 74.57% exceeds Guideline LTV of 65% DSCR < 1 max LTV 65% - Due Diligence Vendor-05/29/2025 | Ready for Review-Please note the lease agreement was delivered with the loan file on pages 489-492. - Seller-06/06/2025 <br>Ready for Review-We respectfully disagree. The DSCR ratio is 1.041 based on the Lease Agreement as permitted by guidelines stating on Refinance transactions, the qualifying rent figure will be the higher of the 1007 or the current lease <br> provided the difference is not greater than 20%. - Seller-06/02/2025<br>| Resolved-Upon further review, lease agreement was located in the loan file. Maximum LTV is 75%. - Due Diligence Vendor-06/10/2025<br>| Credit history exceeds minimum required - 24+ months of clean credit.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 738. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4267910 |
| XXXX | XXXX | 1124176 C B A | Closed | FCRE1440 | 2025-05-29 08:27 | 2025-05-29 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow first time investor currently renting primary residence, Non-material waiver applied with comp factors. non-material due to 24+ months of clean credit and 12 month VOR in the file. - Due Diligence Vendor-05/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender Exception Granted: Approved to allow cash-out, seasoned less than 3m, using current market value & approved to allow a first time investor who rents primary residence. - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted to allow first time investor currently renting primary residence, Non-material waiver applied with comp factors. non-material due to 24+ months of clean credit and 12 month VOR in the file. - Due Diligence Vendor-05/29/2025<br>| Credit history exceeds minimum required - 24+ months of clean credit.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 738. | 1. Fico 20 points higher than min required.<br> 2. 24+ months of clean credit.<br> 3. DSCR ratio > 1. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4267452 |
| XXXX | XXXX | 1124176 C B A | Closed | FCRE1492 | 2025-05-29 09:04 | 2025-05-29 09:10 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow Cash out with less than 3 months seasoning using current appraised value, Non-material waiver applied with comp factors. non-material due to desk review supporting current value. - Due Diligence Vendor-05/29/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Cash out seasoned less than 3 months using the current appraised value. - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted to allow Cash out with less than 3 months seasoning using current appraised value, Non-material waiver applied with comp factors. non-material due to desk review supporting current value. - Due Diligence Vendor-05/29/2025<br>| Credit history exceeds minimum required - 24+ months of clean credit.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 738. | fico is 20+ points higher than min required, 24+ months of clean<br> credit, DSCR ratio > 1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4267864 |
| XXXX | XXXX | 1120128 C A | Closed | FCRE5790 | 2025-06-05 10:43 | 2025-06-13 15:40 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received updated UDM. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Provide gap credit report within 10 days of closing date. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Resolved-Received updated UDM. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 45.62%<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 7.06m. |  | 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 | 4344890 |
| XXXX | XXXX | 1120153 B A | Closed | FCRE8201 | 2025-06-10 17:20 | 2025-06-10 23:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025 <br>Open-Lender Exception Granted: Approved to use 80% of 1007 rents. - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 790 score exceeds minimum of 660.<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 5.97m. | FICO 20+ points above min. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4403604 |
| XXXX | XXXX | 1140827 C A | Closed | FCRE0044 | 2025-07-08 17:02 | 2025-07-16 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiry on 04/08 EM/XXXX reflected on the credit refresh. Additional findings may apply. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Received LOE - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 43.32%; max 85% |  | 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 | 4740061 |
| XXXX | XXXX | 1140827 C A | Closed | FCRE3978 | 2025-07-09 11:37 | 2025-07-14 14:44 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Guideline change from XXXX to XXXX (not plus); no longer required. - Due Diligence Vendor-07/14/2025 <br> Open- Missing Underwriter Certification that the XXXX or XXXX loan is not eligible for sale or securitization by XXXX, XXXX or XXXX as required per 1.1.2. The Underwriter Certification must identify the reason(s) for choosing a Non QM product. If appropriate, in addition to the underwriter comment, a copy of the AUS results from the GSE showing anything other than "approve/eligible" may be used as further proof the loan was not eligible to the GSE (this cannot be used solely to prove the loan was not eligible for sale/securitization to the GSE). Refer to the Non QM Underwriter's Certification. - Due Diligence Vendor-07/09/2025 |  | Resolved-Guideline change from XXXX to XXXX (not plus); no longer required. - Due Diligence Vendor-07/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 43.32%; max 85% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4749805 |

---

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 1121166 | XXXX D A B |
| XXXX | XXXX | 1121183 | XXXX D A C |
| XXXX | XXXX | 1121192 | XXXX A |
| XXXX | XXXX | 1121203 | XXXX D C A B |
| XXXX | XXXX | 1121222 | XXXX D A |
| XXXX | XXXX | 1121212 | XXXX D A |
| XXXX | XXXX | 1121236 | XXXX C B A |
| XXXX | XXXX | 1091822 | XXXX C A B |
| XXXX | XXXX | 1121301 | XXXX A C |
| XXXX | XXXX | 1121302 | XXXX D B C A |
| XXXX | XXXX | 1121336 | XXXX A C |
| XXXX | XXXX | 1121455 | XXXX A |
| XXXX | XXXX | 1140802 | XXXX C A |
| XXXX | XXXX | 1140809 | XXXX C A B |
| XXXX | XXXX | 1121438 | XXXX A B |
| XXXX | XXXX | 1121436 | XXXX A C B |
| XXXX | XXXX | 1121462 | XXXX C B A |
| XXXX | XXXX | 1121475 | XXXX A |
| XXXX | XXXX | 1121459 | XXXX A |
| XXXX | XXXX | 1121433 | XXXX D A |
| XXXX | XXXX | 1140803 | XXXX A C |
| XXXX | XXXX | 1121339 | XXXX A |
| XXXX | XXXX | 1121507 | XXXX C A |
| XXXX | XXXX | 1121505 | XXXX D B A |
| XXXX | XXXX | 1121511 | XXXX A |
| XXXX | XXXX | 1121501 | XXXX A |
| XXXX | XXXX | 1121553 | XXXX A B |
| XXXX | XXXX | 1121536 | XXXX A B |
| XXXX | XXXX | 1115806 | XXXX A |
| XXXX | XXXX | 1121559 | XXXX C B A |
| XXXX | XXXX | 1121566 | XXXX A |
| XXXX | XXXX | 1121547 | XXXX A |
| XXXX | XXXX | 1121578 | XXXX D B A |
| XXXX | XXXX | 1115846 | XXXX D A B |
| XXXX | XXXX | 1115868 | XXXX D A |
| XXXX | XXXX | 1115833 | XXXX C A |
| XXXX | XXXX | 1115810 | XXXX C A B |
| XXXX | XXXX | 1115802 | XXXX C A |
| XXXX | XXXX | 1115808 | XXXX A |
| XXXX | XXXX | 1140805 | XXXX C A B |
| XXXX | XXXX | 1140810 | XXXX D A B |
| XXXX | XXXX | 1120140 | XXXX A |
| XXXX | XXXX | 1120085 | XXXX A |
| XXXX | XXXX | 1120126 | XXXX A |
| XXXX | XXXX | 1120108 | XXXX C A B |
| XXXX | XXXX | 1120064 | XXXX D A |
| XXXX | XXXX | 1120138 | XXXX A |
| XXXX | XXXX | 1120100 | XXXX A |
| XXXX | XXXX | 1120124 | XXXX C A B |
| XXXX | XXXX | 1120125 | XXXX D A B |
| XXXX | XXXX | 1120090 | XXXX C A B |
| XXXX | XXXX | 1120068 | XXXX C A B |
| XXXX | XXXX | 1120077 | XXXX A |
| XXXX | XXXX | 1120078 | XXXX A |
| XXXX | XXXX | 1120147 | XXXX C A B |
| XXXX | XXXX | 1120072 | XXXX A |
| XXXX | XXXX | 1120047 | XXXX D A |
| XXXX | XXXX | 1120164 | XXXX A |
| XXXX | XXXX | 1120206 | XXXX A |
| XXXX | XXXX | 1120149 | XXXX B A |
| XXXX | XXXX | 1120177 | XXXX C A |
| XXXX | XXXX | 1120182 | XXXX A |
| XXXX | XXXX | 1120190 | XXXX D A |
| XXXX | XXXX | 1120114 | XXXX C A B |
| XXXX | XXXX | 1120141 | XXXX A |
| XXXX | XXXX | 1120155 | XXXX A |
| XXXX | XXXX | 1120150 | XXXX A C |
| XXXX | XXXX | 1120181 | XXXX C A B |
| XXXX | XXXX | 1124176 | XXXX C A B |
| XXXX | XXXX | 1120128 | XXXX C A |
| XXXX | XXXX | 1120153 | XXXX B A |
| XXXX | XXXX | 1140827 | XXXX C A |

---

## Exhibit 99.3

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 1121166 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 37.97 | 37.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1121183 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121192 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.74 | 69.74 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 1121203 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121222 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.21 | 69.21 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 1121212 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.81 | 69.81 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121236 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0882 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0882 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1091822 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1121301 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1121302 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.43 | 31.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121455 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1140802 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 1140809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1121438 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.33 | 58.33 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 1121436 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.74 | 61.74 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 1121462 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.21 | 73.21 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 1121475 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121459 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 1121433 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.27 | 38.27 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1140803 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.47 | 73.47 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 1121339 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121507 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.09 | 59.09 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121505 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.14 | 74.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 1121511 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1121501 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 63.24 | 63.24 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1121553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121536 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1115806 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.77 | 65.77 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | XXXX | 1121559 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121566 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.43 | 65.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121547 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.95 | 70.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1121578 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 1115846 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1115868 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 1115833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.1 | XXXX |
| XXXX | XXXX | 1115810 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  | XXXX |
| XXXX | XXXX | 1115802 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.23 | 54.23 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | XXXX | 1115808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.41 | 66.41 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 1140805 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 1140810 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1120140 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 1120085 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.67 | 46.67 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 1120126 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0028 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0028 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1120108 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 1120064 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0204 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0204 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | XXXX | 1120138 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1120100 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.0 | 68.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 1120124 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 1120125 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 1120090 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.51 | 64.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 1120068 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 1120077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 1120078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 1120147 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 1120072 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 1120047 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 1120164 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1120206 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1120149 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 4.4 | XXXX |
| XXXX | XXXX | 1120177 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1120182 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 1120190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 1120114 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 1120141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX | XXXX | 1120155 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 1120150 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 1120181 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 1124176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.57 | 74.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 1120128 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 1120153 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | XXXX | 1140827 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.32 | 43.32 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**December 08, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex994003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 1 December 08, 2025

![](ex994003.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex994004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex994004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Capital Alliance, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

On behalf of Citadel Investment Group, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 162 residential loans.

APF II Resi O4B, LLC subsequently purchased these loans via reliance letter and selected them for the HOMES 2026-NQM1 Transaction. The loans referenced in this narrative report were reviewed on a flow loan basis from February 2025 to August 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;164 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**165** | &nbsp;&nbsp;**100.00%** |

---

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 2 December 08, 2025

![](ex994003.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check. The 43 loans not tested for compliance were reviewed to be business purpose and are not subject to a regulatory compliance review.

---

| | |
|:---|:---|
| Review scope | &nbsp;&nbsp; # of Files Reviewed |
| Credit Review | &nbsp;&nbsp;165 |
| Property Valuation Review | &nbsp;&nbsp;165 |
| Regulatory Compliance Review | &nbsp;&nbsp;122 |
| Data Integrity Check | &nbsp;&nbsp;165 |

---

Loan Grading

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

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

![](ex994005.jpg)

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 3 December 08, 2025

![](ex994003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 165 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original
 Appraisal Assessment (165 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value
 Supported Analysis (165 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;

● CU Score

● Desk Review

● 2<sup>nd</sup>Full Appraisal

For further detail please refer to the HOMES 2026-NQM1 Valuations Summary Report

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 4 December 08, 2025

![](ex994003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 122 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 5 December 08, 2025

![](ex994003.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by APF II Resi O4B, LLC.

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 165 reviewed loans, by completing the following steps:

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

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

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

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

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 6 December 08, 2025

![](ex994003.jpg)

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. 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 APF II Resi O4B, LLC with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 165 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;6 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;14 | &nbsp;&nbsp;91.52% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.58% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;10 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.39% |

---

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 7 December 08, 2025

![](ex994003.jpg)

**Clayton Due Diligence Results** 

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 91 |  | 9 | 18 | **118** |
| **Final** | **B** | 1 | 26 | 10 | 10 | **47** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **92** | **26** | **19** | **28** | **165** |

---

**<u>Initial and Final Overall Loan Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 91 |  | 9 | 18 | **118** |
| **Final** | **B** | 1 | 26 | 10 | 10 | **47** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **92** | **26** | **19** | **28** | **165** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 108 |  | 7 | 15 | **130** |
| **Final** | **B** | 1 | 23 | 4 | 7 | **35** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **109** | **23** | **11** | **22** | **165** |

---

**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 108 |  | 7 | 15 | **130** |
| **Final** | **B** | 1 | 23 | 4 | 7 | **35** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **109** | **23** | **11** | **22** | **165** |

---

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 8 December 08, 2025

![](ex994003.jpg)

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 151 |  | 3 | 4 | **158** |
| **Final** | **B** |  | 5 | 1 | 1 | **7** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **151** | **5** | **4** | **5** | **165** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 151 |  | 2 | 4 | **157** |
| **Final** | **B** |  | 5 | 2 | 1 | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **151** | **5** | **4** | **5** | **165** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 109 |  | 5 | 2 | **116** |
| **Final** | **B** |  | 3 | 3 |  | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **109** | **3** | **8** | **2** | **122** |

---

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 109 |  | 5 | 2 | **116** |
| **Final** | **B** |  | 3 | 3 |  | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **109** | **3** | **8** | **2** | **122** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review. (43 loans in pool)

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 9 December 08, 2025

![](ex994003.jpg)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 10 December 08, 2025

![](ex994003.jpg)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 11 December 08, 2025

![](ex994003.jpg)

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 12 December 08, 2025

![](ex994003.jpg)

E. Performed
 a DSCR review following the origination guidelines to arrive at a monthly property expense.
 This number is used as the denominator to the monthly lease or estimated lease income.
 Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

○ Principal and interest payment

○ Property taxes

○ Insurance

○ HOA payments

**Appendix B: Origination Appraisal Assessment** 

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 13 December 08, 2025

![](ex994003.jpg)

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

○ Title XI of FIRREA:

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

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

○ USPAP

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

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 14 December 08, 2025

![](ex994003.jpg)

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 15 December 08, 2025

![](ex994003.jpg)

**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

○ TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

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

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

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

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

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

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 16 December 08, 2025

![](ex994003.jpg)

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 17 December 08, 2025

![](ex994003.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 18 December 08, 2025

![](ex994003.jpg)

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**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 |  |

---

**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) |
| &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 |  |

---

**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).

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 19 December 08, 2025

![](ex994003.jpg)

**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.

---

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

---

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &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) |
| &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 attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 20 December 08, 2025

![](ex994003.jpg)

**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

HOMES 2026-NQM1 Due Diligence Narrative Report Page \| 21 December 08, 2025

## Exhibit 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **HOMES 2026-NQM1** |
| **Start - End Dates:** | **2/18/2025 - 8/11/2025** |
| **Deal Loan Count:** | **165** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *165* |
| ***Loans with Conditions:*** | *74* |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |
| **73 - Total Satisfied Conditions** | **73 - Total Satisfied Conditions** |
|  | 41 - Credit Review Scope |
|  | 2 - Category: Application |
|  | 3 - Category: Assets |
|  | 3 - Category: Credit/Mtg History |
|  | 4 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 5 - Category: Insurance |
|  | 10 - Category: Legal Documents |
|  | 6 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
|  | 12 - Property Valuations Review Scope |
|  | 9 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 1 - Category: Property |
|  | 1 - Category: Value |
|  | 20 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Documentation |
|  | 1 - Category: State Consumer Protection |
|  | 16 - Category: TILA/RESPA Integrated Disclosure |
| **47 - Total Waived Conditions** | **47 - Total Waived Conditions** |
|  | 37 - Credit Review Scope |
|  | 1 - Category: Application |
|  | 3 - Category: Assets |
|  | 13 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 11 - Category: LTV/CLTV |
|  | 6 - Category: Terms/Guidelines |
|  | 7 - Property Valuations Review Scope |
|  | 3 - Category: Appraisal |
|  | 4 - Category: Property |
|  | 3 - Compliance Review Scope |
|  | 1 - Category: Documentation |
|  | 1 - Category: State Rate Spread |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **165** | **165** | **165** | **165** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *165* | *165* | *165* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *74* | *74* | *74* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Loan Status** |
| 1140817 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | According to XXX guides P&L documentation is not allowed for a FTHB or ITN. In this case the borrower is a FTHB and using an ITIN. | Allowed per the updated matrix dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140817 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | The CDA report provided is not in color. | Received CDA report in color . | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | The final signed 1003 was not in the loan file. | Document provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH148 | Credit report stale dated at closing | No | The gap credit report of undisclosed debt notification dated 10 days from the note date was not in the loan file. Credit is dated XXX | The credit report is less than 30 days from closing. GAP is not required per guides. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The disposition of the property at XXX was not in file. | Full Re conveyance provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The 2024 personal and business (XXX and XXX) extensions were not in the loan file. | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The occupancy cert was not in the loan file. | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has XXX months reserves after closing. | Complete |
| 1140833 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXX, the initial LE was not issued until XXX. Greater than the required 3 days. | LE document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months reserves. | Complete |
| 1140833 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | The file contains an LE for the subject property issued on XXX, which is the same date the Initial XXX CD was issued. | Uploaded the Audit Trail from XXX. It was actually issued on XXX and signed on XXX. The processors did not change the date on the CD | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months reserves. | Complete |
| 1140833 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | LE Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months reserves. | Complete |
| 1140833 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | Per Guides: If there is no evidence of e-consent in the file the e-consent is presumed to have been provided timely and accepted. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months reserves. | Complete |
| 1140833 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The XXX for the individual who prepared the P&L and letter was missing from the file. | Document provided to cure. Satisfied. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX or XXX months reserves. | Complete |
| 1140848 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 771 exceeds guidelines 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 34 months when 12 months are required. | Complete |
| 1140849 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Loan Amounts for Refinance > XXX requires two (2) Appraisals. Only 1 provided for review. Exception approval provided to waive 2 appraisal. | 3/17/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 7 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.85% is below max LTV of 75%. | Complete |
| 1140851 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.90% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 729 is > the the minimum of 640. | Complete |
| 1140852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed | No | Provide full appraisal. | 05/18/2025 lender provided appraisal | 05/18/2025 lender provided appraisal; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 8 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score. Min required per guidelines is 780. | Complete |
| 1140852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR284 | Appraiser License Missing | No | Provide full appraisal. | 05/18/2025 lender provided appraisal | 05/18/2025 lender provided appraisal; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 8 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score. Min required per guidelines is 780. | Complete |
| 1140856 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 44 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. | Complete |
| 1140858 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 769 exceeds guideline credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: All current mortgages paid as agreed with 0 x 30. | Complete |
| 1140859 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 776 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 23.08% is below max LTV of 75%. | Complete |
| 1140860 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 35.05%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score. Min required per guidelines is 640. | Complete |
| 1140861 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 752 FICO score. Minimum required 730.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully XXX and operated his business as a builder for XXX years consistently maintaining stable monthly income. | Complete |
| 1140862 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x48.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX XXX for over 25 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.83% is below max DTI of 50%. | Complete |
| 1140864 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing Final Closing Disclosure | 05/20/2025 lender provided Final HUD | 05/20/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 745 FICO score. Minimum required 720. | Complete |
| 1140864 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Based on new HUD provided. The actual Securitization Cash to borrower $XXX which is just under the 1% allowable, but exceeds $5,000 max | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 745 FICO score. Minimum required 720. | Complete |
| 1140865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Loan amount exceeded XXX required second full appraisal. Provide the second full appraisal per guidelines. | 07/15/2025 lender provided Updated ULAW07/16/2025 client acknowledged exception | 07/15/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for DTI, Credit Score and Time on Current Job.07/16/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 787 exceed guidelines of 730.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.3 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.07% is below guideline requirement of 40%. | Complete |
| 1140866 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 50% is less than the maximum LTV of 70%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. | Complete |
| 1140867 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Insurance Binder reflects address of XXX. All other documents show address as XXX. Provide HOI with correct address. | 06/11/2025 lender response: Endorsement with Corrected Address uploaded | 06/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 4.81%, max per guidelines is 50.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 760. | Complete |
| 1140867 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Per appraisal: THE SUBJECT WAS LISTED FOR SALE IN XXX FROM XXX TO XXX. Per guidelines, if the subject property has been listed for sale in the last six (6) months from the date of funding by XXX, the transaction is ineligible. If the subject property has been listed for sale in the last six (6) months from the date of funding by XXX, the transaction is ineligible. The period for measurement is from the last day listed to the date of application submission. | 06/11/2025 lender response: Endorsement with Corrected Address uploaded6/11/25025 Clayton response: Documentation provided does not address this Exception, PRVAPROP177. Exception remains.6/17/2025- Client uploaded updated ULAW with exception approval for subject recent listed for sale with comp factors6/18/2025- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 4.81%, max per guidelines is 50.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 760. | Complete |
| 1140868 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 760 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit history with 99 months reviewed reporting 0 late payments. | Complete |
| 1140870 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 14 years and 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 730.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.68%, max per guidelines is 40%. | Complete |
| 1140871 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 16 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 > the minimum of 700. | Complete |
| 1140874 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing complete Articles of Organization for XXX. Only 1st page provided. | 6/24/25- Client uploaded all pages for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.59% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x39. | Complete |
| 1140874 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2277 | Note Not Executed | No | XXX is not listed on the Note or as Guarantor on the Guaranty. She did not sign any legal documents, but income was used to qualifying. | 6/24/25- Client uploaded Closing package uploaded confirms XXX is on the mortgage and executed all loan documents. XXX- XXX signed as a witness on the Mortgage, not as a Borrower. This individual is not listed on Note, Guaranty, or Loan Agreement. Therefore has no legal responsibly for loan repayment itself. Credit and income cannot be utilized. XXX- Client uploaded LOE from borrowers and explanation and acceptance from XXX Legal Department.7/1/25- Per your own legal dept email- "they will sign the Note and the loan docs in an individual capacity." Exception remains as XXX did not sign Note or any legal documents as required. XXX- Per your own legal dept LOE you provided- If she remains on the loan, she will need to sign the Note and the loan docs in an individual capacity. As of now we dont see how we can use her income if there is no obligation on her part for the loan as she doesnt not have any legal interest in the property since we do not have any signed legal documents. Exception remains. XXX- Client uploaded corrected docs and signed XXX adding Bor | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.59% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x39. | Complete |
| 1140874 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | XXX is not listed as a Guarantor and did not sign any legal documents taking responsibility for the loan, but her income was used for qualifying. Without said income DTI would result in a 172.89%. | 6/24/25- Client uploaded Closing package uploaded confirms XXX on the mortgage and executed all loan documents. XXX- XXX signed as a witness on the Mortgage, not as a Borrower. This individual is not listed on Note, Guaranty, or Loan Agreement. Therefore has no legal responsibly for loan repayment itself. Credit and income cannot be utilized. Exception remains. XXX- Client uploaded LOE from borrowers and explanation and acceptance from XXX Legal Department. | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.59% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x39. | Complete |
| 1140875 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement of 780.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 16 years. | Complete |
| 1140877 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum of 75% for loan amount > XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 33 years and 10 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score. Min required per guidelines is 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 34.05% | Complete |
| 1140878 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Lender XXX XXX listed on Final Refinance Statement | 07/30/2025 lender response: Inspection report & Proof of Release of Escrow XXX uploaded | 07/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 761 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 30 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 11 years. | Complete |
| 1140879 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Waived | D | B | D | B | CRDLGL100 | Legal document incorrect or incomplete | No | LTV based on original purchase price XXX plus cost of improvements XXX. File verified XXX paid. Provide documentation to support the additional XXX. | 06/24/2025 lender response: Updated ULAW with comp factors sent out06/24/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV and Credit Score.client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 792 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.24% is below max LTV of 75%. | Complete |
| 1140879 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | Provide the Appraisal Collateral Review Reconciliation document with value of XXX. | 06/05/2025 lender provided UCDP Report | 06/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 792 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.24% is below max LTV of 75%. | Complete |
| 1140880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 61.38% LTV, Max 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX Funds to close XXX = Post-closing reserves XXX, none required. | Complete |
| 1140881 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI for REO on XXX Street of XXX as listed on the final 1003. | 06/24/2025 lender provided Final CD & HOA cert for XXX property closed concurrently with XXX | 06/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 12 years. | Complete |
| 1140882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX XXX or 19 years 8 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x53. | Complete |
| 1140883 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds min of 700 per guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 55.56% exceeds min of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower 26 years at current residence. | Complete |
| 1140884 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan amount XXX exceeds the maximum loan amount for escrow waiver of XXX. Lender exception approval provided. | 6/19/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor at current residence for 12 years and 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.45% < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 exceeds guidelines of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for 53 months with 0x 30. | Complete |
| 1140888 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certification/Questionnaire. | 06/24/2025 lender provided HOA certificate | 06/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 is > the minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed 0x 30x 35 | Complete |
| 1140889 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 759 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with XXX months reviewed reporting 0 late payments. | Complete |
| 1140890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required zero months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 60% and guidelines allow the HCLTV to be 70% | Complete |
| 1140891 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660. File credit score 774.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 34.05% | Complete |
| 1140892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 746 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 49 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.54% is below guideline requirement of 50%. | Complete |
| 1140893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide letter of explanation from borrower stating the effect use of business funds for purchase of subject property. | 06/24/2025 lender provided Use of business funds LOE | 06/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 9 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets: XXX/XXX PITI = XXX months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 11.27% and guidelines allow the DTI to be 50% | Complete |
| 1140894 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 762 exceeds guidelines 730. | Complete |
| 1140895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 11 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying score. Min required per guidelines is 720.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 42 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITIA. | Complete |
| 1140896 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. Minimum required 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.46% is below max DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 8 years. | Complete |
| 1140897 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 721 FICO score. Minimum required 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per credit report borrower has an excellent mortgage payment history with 24 months reviewed reporting 0 late payments. | Complete |
| 1140898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.30%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. | Complete |
| 1140900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 11 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 is > the minimum of 640. | Complete |
| 1140899 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 33 years and 9 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 31 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Max DTI 50% File 32.20% | Complete |
| 1140903 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 10 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 23.97% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is > the minimum of 660. | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Loan DTI of 52.18% is above the maximum DTI of 50.49%. DTI is based off of total obligations of XXX and total income of XXX. Variance with lenders approval is due to the loan file missing any documentation of the expected rent from the collateral property. Lender used "subject Net Cash Flow" of -$1,082 but no lease agreement or market rent schedule was included in the loan file. | 08/05/2025 lender provided rent schedule. Per Form 1007, market rent XXX/m. Used 100% market rent to offset the PITIA for the DTI | 08/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Appraisal in file is incomplete only including pages 1-3. | 08/04/2025 lender response: Full Appraisal uploaded | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Appraisal in file is incomplete only including pages 1-3. Missing appraisal signature page | 08/04/2025 lender response: Full Appraisal uploaded | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR271 | Comp photos are missing | No | Appraisal in file is incomplete only including pages 1-3. Missing all photo pages. | 08/04/2025 lender response: Full Appraisal uploaded | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal in file is incomplete only including pages 1-3. Missing all photo pages. | 08/04/2025 lender response: Full Appraisal uploaded | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140904 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR284 | Appraiser License Missing | No | Appraisal in file is incomplete only including pages 1-3. Missing appraisal signature page | 08/04/2025 lender response: Full Appraisal uploaded | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 4 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years | Complete |
| 1140905 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 752 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. | Complete |
| 1140906 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject investment property is vacant. Guidelines do not permit refinance of vacant property. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: CO-Borrower has 8 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: co-borrower has 10 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 14.18 below min guides of 50%. | Complete |
| 1140907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing complete credit report with FICO scores | 08/07/2025 lender provided Credit Report | 08/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X51.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years, 10 months. | Complete |
| 1140907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing complete credit report with FICO scores | 08/07/2025 lender provided Credit Report | 08/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X51.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years, 10 months. | Complete |
| 1140907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds max LTV of 65% No ratio DCSR or <1 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X51.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years, 10 months. | Complete |
| 1140908 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3312 | One or more Applications in file are incomplete | No | Missing final 1003 for Guarantor 2 XXX (Sr) | 07/02/2025 lender response: Final 1003 for XXX uploaded07/02/2025 Clayton response: 1003 provided is for XXX. The exception is for missing final 1003 for XXX, xxx-xx- XXX. Exception remains.08/14/2025 lender provided Signed 1003 for XXX, xxx-xx-XXX | 08/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: G1 XXX has been on the same job since 2002<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 6.61% is less than the maximum DTI of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 52.04% LTV, Max 75% LTV | Complete |
| 1140908 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification that the insurance coverage matches 100% of the insurable value of the collateral and the insurance coverage is less than the loan amount. | 07/03/2025 lender provided RCE | 07/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: G1 XXX has been on the same job since 2002<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 6.61% is less than the maximum DTI of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 52.04% LTV, Max 75% LTV | Complete |
| 1140908 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Underwriting Loan Approval Worksheet in file is incomplete and does not state the income used to qualify. | 07/16/2025 lender response: Uploaded Final 1003 for XXX with stated monthly income of XXX. | 07/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: G1 XXX has been on the same job since 2002<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 6.61% is less than the maximum DTI of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 52.04% LTV, Max 75% LTV | Complete |
| 1140909 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.82% and guidelines allow the DTI to be 50.49%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: The HCLTV is 70% and guidelines allow the HCLTV to be 75% | Complete |
| 1140910 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 675 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 15 years. | Complete |
| 1140911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 27 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 74.52% and guidelines allow the LTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines $0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 30.59% and guidelines allow the DTI to be 40.00% | Complete |
| 773447 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 748 FICO score. Minimum required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 19.49% is below max LTV of 80%. | Complete |
| 1140912 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 757 FICO score. Minimum required 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 50 months reviewed reporting 0 late payments. | Complete |
| 1140913 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of mortgaged properties exceeds guideline limit. Subject transaction will be the 6th XXX loan. | 08/14/2025 lender response: Uploading updated ULAW with comp factors08/14/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Credit History. 08/14/2025 client acknowledged exception | 08/14/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 675 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x73. | Complete |
| 1140914 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 749 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | Complete |
| 1140916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; max allowed per guidelines is 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITIA. | Complete |
| 1140915 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing asset documentation from XXX #XXX confirming balance XXX for funds to close. | 07/16/2025 lender provided XXX May 2025 Bank Statement | 07/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guidelines of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score of 786 EXCEED MIN GUIDES OF 720. | Complete |
| 1140917 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 17 loans with XXX which exceeds limit of 4. Total properties 87 of which 65 are financed. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LOTV 58.82% is less than the maximum LTV 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive during the review period. | Complete |
| 1140918 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 17 loans with XXX which exceeds the limit of 4. Total properties 87 of which 65 are financed. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive over the review period.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV 58.82% is less than the maximum 75% | Complete |
| 1140922 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per guidelines, lender limits the number of open loans with same borrower at any one time to a maximum of four loans. Borrower has 6 loans with lender. | 08/13/2025 lender provided Updated ULAW08/14/2025 client acknowledged exception | 08/13/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, DTI, Reserves, Credit Score and Time XXX.08/14/2025 Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 8 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.41%, max per guidelines is 50.49%. | Complete |
| 1140923 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing the dwelling coverage amount for subjects homeowners insurance. | 07/22/2025 lender provided Insurance policy | 07/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below max guides of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4.8 years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on consumer credit last 24 months. | Complete |
| 1140923 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the Satisfaction of Mortgage from XXX as listed on the Title Commitment Schedule B Part I #8. | 07/24/2025 lender response: Uploading FSS from concurrent closing showing that this lien was already paid off as well as title showing the same recording number as subject for this cross collateralized loan. | 07/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below max guides of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4.8 years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on consumer credit last 24 months. | Complete |
| 1140924 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 792 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 54 months. | Complete |
| 1140925 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied the primary residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 10 years 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 61.54% and guidelines allow the HCLTV to be 80% | Complete |
| 1140926 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing updated title. Title commitment dated XXX does not reflect the 1st mortgage to be paid off with XXX which was originated on XXX. | 07/24/202 lender provided Updated title report | 07/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.58% is < the maximum of 75%.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduction of XXX per month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 816 is > the minimum of 700. | Complete |
| 1140927 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing final signed HUD-1 from the refinance of XXX netting XXX | 07/12/2025 lender provided Final Settlement Statement for XXX.(proceeds XXX) | 07/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 696 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos | Complete |
| 1140928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 742. | Complete |
| 1140930 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 26 years 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 qualifying score. Min required per guidelines is 660. | Complete |
| 1140929 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.08% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX | Complete |
| 1140932 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Documentation | Waived | B | B | B | B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | HUD reflects an escrow holdback for XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x71.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. No reserves required. | Complete |
| 1140932 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Underwriter's Loan Approval Worksheet. | 07/12/2025 lender provided ULAW | 07/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x71.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. No reserves required. | Complete |
| 1140933 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 11 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $XXX XXX PITIA = XXX months reserves on the subject.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 30.81% and guidelines allow the DTI to be 50.49%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 660. | Complete |
| 1140935 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 Years and 7 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 9 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660. File credit score 760. | Complete |
| 1140937 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Per Update on guidelines, Vacant investment properties are not eligible for a refinance transaction. On a case-by-case basis XXX Senior Management will review when supported with evidence of improvement and intent to keep. Per LOE provided , at present, property is listed (for rent) and pending applications from prospective renters, ensuring there is no extended vacancy period. Lender provided an exception. | 8/12/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score. Min required per guidelines is 760. | Complete |
| 1140938 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 763 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.88% is below max LTV of 65%. | Complete |
| 1140940 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 is > the minimum of 640. | Complete |
| 1140941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 12 years and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50.27% is < the maximum of 75%. | Complete |
| 1140942 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below max guideline requirement of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are XXX or XXX months of PITI. | Complete |
| 1140943 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowers have at least 6 investment loans. Lender Guidelines limit the maximum of 4 loans with the same Borrower and 1 must be Owner Occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 794 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. | Complete |
| 1140944 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation regarding HOA fees for XXX | 07/23/2025 lender response: Uploading LOE stating no HOA dues | 07/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x61. | Complete |
| 1140945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL806 | Notary Status is missing | No | Provide Recorded, Notarized & Signed Mortgage. | 07/09/2025 lender response: Closing Package including Signed Mortgage uploaded | 07/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x57. | Complete |
| 1140947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required zero months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x15. | Complete |
| 1140948 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 760 exceeds min score requirement of 720.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x55. | Complete |
| 1140949 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 50% LTV. Max 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 735 is above the minim score of 600 | Complete |
| 1140950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Waived | D | B | D | B | CRDAPP2298 | Missing Second Appraisal | No | Missing the second full appraisal for refinance transaction with loan amount > XXX | 08/14/2025 lender response: Uploading updated ULAW with comp factors.08/14/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Reserves and Time at Current Residence.08/14/2025 client acknowledged exception | 08/14/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXX. Required reserves $0. | Complete |
| 1140950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Provide documentation to support Short Term Rents of XXX compared to appraisal of XXX | 08/13/2025 lender provided XXX Ledger for Short Term Rent | 08/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXX. Required reserves $0. | Complete |
| 1140950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the net tangible benefit to borrower. New IO loan with rate 6.875% paid off existing fixed rate loan at 6.75%. | 08/14/2025 lender response: The XXX is that they are lowering the payment by XXX per month with this new loan and it is also now impounded. | 08/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXX. Required reserves $0. | Complete |
| 1140951 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% BELOW MIN GUIDES 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history shown no lates in credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years. | Complete |
| 1140952 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan is a Cash out Refinance for an investment property purchased XXX for cash. Per appraisal subject property is vacant and per guidelines vacant investment properties are not eligible for a refinance. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 7 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 is > the minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.26% is < the maximum of 75%. | Complete |
| 1140954 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 687 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit history with 99 months reviewed reporting 0 late payments. | Complete |
| 1140955 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 790 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x72.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 25 years. | Complete |
| 1140956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV 60% is less than the maximum LTV of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. No Reserves required. | Complete |
| 1140957 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation report for XXX Appraisal. | 08/06/2025 lender response: Appraisal reflecting effective date of XXX matching with desk review in file uploaded | 08/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% id below guideline requirements of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No mortgage lates in credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 qualifying score. Min required per guidelines is 600. | Complete |
| 1140958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 705 FICO score. Minimum required 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his business for 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.01% is below guideline requirement of 50%. | Complete |
| 1140959 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years, 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 36.46%; max allowed per guidelines is 75%. | Complete |
| 1140960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 65.00% / Max LTV 70.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX; leaves reserves of XXX or XXX mos. Reserves are not required. | Complete |
| 1140961 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing HUD/CD for sale of the property located at XXX to support large of $XXX on XXX to XXX #XXX. | 08/05/2025 lender provided Final Settlement Statement for XXX | 08/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 5.65 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 679 is > the minimum of 640. | Complete |
| 1140961 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI 50.89%; guidelines max 50.49%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 5.65 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 679 is > the minimum of 640. | Complete |
| 1140961 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Property appears to be over improved for the area. Subject located in a Suburban neighborhood; however comparable distance range from 5.86 miles up 40.65 miles. Subject is an XXX compound on XXX ACRES with a XXX and XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 5.65 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 679 is > the minimum of 640. | Complete |
| 1140962 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; guidelines require 3open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.36%, max per guidelines is 50.49%. | Complete |
| 1140963 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX, leaves reserves of XXX or XXX mos. Reserves are not required. | Complete |
| 1140964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing the final VVOE for primary borrower's jobs both full time and part time employer. (XXX and XXX) | 8/15/2025- VVOE uploaded for B2. We need VVOE for B1 1st & 2nd jobs.-8/22/2025- VVOE uploaded for 2nd job for B1. Still missing VVOE for B1 primary job with XXX8/22/2025- VVOE for primary job provided | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 759 FICO score. Minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.38% is below max LTV of 60%. | Complete |
| 1140965 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 7 years and 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 is > the minimum of 620. | Complete |
| 1140966 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | The collateral is a non-warrantable condo and the DSCR is less than 1.0. Minimum DSCR score for non-warrantable condo is 1.0 per program matrix. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. No Reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.81%; max allowed per guidelines is 70%. | Complete |
| 1140967 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.86%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. | Complete |
| 1140968 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | No credit score loan requires 24 month history. Exception in file for approval of foreign payment history | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: assets stated XXX CTC XXX leaves XXX for reserves. GL required $0 reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years, 10 months. | Complete |
| 1140969 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified cash reserves. | Complete |
| 1140970 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds maximum LTV of 70% for DSCR Loan with Short Term refinance. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX (loan proceeds). CTC $ XXX leaves reserves of XXX or XXX mos. Reserves required 12 mos per lender approval.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 has owned current principal residence for 8 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 is > the minimum of 660. | Complete |
| 1140970 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines a 12-month ledger from the management company, property managers, XXX, XXX or XXX as documentation for rents. Lender utilized Comparative rent schedule. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX (loan proceeds). CTC $ XXX leaves reserves of XXX or XXX mos. Reserves required 12 mos per lender approval.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 has owned current principal residence for 8 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 is > the minimum of 660. | Complete |
| 1140971 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years and 9 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 42 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. | Complete |
| 1140972 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 751 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 82 months. | Complete |
| 1140974 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current primary.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mo lates on mortgage history on credit report. | Complete |
| 1140975 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | For DSCR No Ratio on Cash Out Refinance, max LTV is 65%; subject LTV is 70%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current primary.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 exceeds min guides of 640. | Complete |
| 1140978 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 28 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX/XXX PITIA = XXX-months reserves. | Complete |
| 1140979 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceed maximum LTV of 70% with DSCR score <1%. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 is > the minimum of 660. | Complete |
| 1140981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX/$XXX PITI = 9.98 months reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor2 has resided in current residence for 3 years 4 months. | Complete |
| 1140984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is < the maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is > the minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos. | Complete |
| 1140985 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 70% and guidelines allow the HCLTV 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX/$XXX PITIA = XXX months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 qualifying score. Min required per guidelines is 640. | Complete |
| 206760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 756 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 18 years. | Complete |
| 1140986 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos. | Complete |
| 1140987 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 62.50% is below guideline requirements of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines XXX. | Complete |
| 1140989 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceed maximum LTV of 75% with DSCR score <1%. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 8 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is > the minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Guarantors mortgage for current primary residence was reviewed for 99 months with 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required 0 mos. | Complete |
| 1140990 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | Credit | Credit/Mtg History | Waived | N/A | B | N/A | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 12 years. | Complete |
| 1140991 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of XXX is after the Note date of XXX. Missing documentation that insurance was in effect prior to this. | 03/18/2025 lender provided Previous HOI | 03/18/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has run his business since 2016<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 723 exceeds min credit score of 700. | Complete |
| 1140992 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below maximum of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 11.03% is below max DTI of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. XXX mos required. | Complete |
| 1140994 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 1/1/2019 or 6 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below maximum of 80%. | Complete |
| 1140996 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage. Provide 100% replacement cost coverage or RCE | 04/22/2025 lender response: HOI reflecting extended coverage uploaded. HO 86 10 section stating increased Dwelling Limit Coverage 20% which is up to the loan amount | 04/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 & B2 significant time at current residence, 30 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (26 years 3 months).<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX since 1/1/2012 (13 years 3 months).<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X51. | Complete |
| 1140997 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 725 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 8 years. | Complete |
| 1141001 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.13% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 9 years. | Complete |
| 1141003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 6.3.25-Client provided Initial CD issued & e-signed XXX. | 6.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 748 exceeds min score requirement of 760.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 43 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 20 years. | Complete |
| 1141003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 6.3.25-Client provided Initial CD issued & e-signed XXX. | 6.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 748 exceeds min score requirement of 760.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 43 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 20 years. | Complete |
| 1141004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower been XXX for 22 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets XXX funds to close XXX = post-closing reserves XXX, XXX months PITI reserves required are XXX. | Complete |
| 1141005 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 70.33% and guidelines allow the HCLTV to be 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 38.55% and guidelines allow the DTI to be 43% | Complete |
| 1141006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 793 FICO score. Minimum required 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated her business for 4.5 years creating stable and consistent income.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.32%, max per guidelines is 50%. | Complete |
| 1141007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 6.4.25-Client provided Initial CD issued XXX & e-signed XXX. | 6.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession 33 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 12/29/2011 or 13 years 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 792 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.83% is below maximum of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 6 years, 3 months. | Complete |
| 1141007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Final LE issued XXX. | 6.4.25-Client provided LE issued XXX & e-signed XXX. | 6.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession 33 years 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 12/29/2011 or 13 years 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 792 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.83% is below maximum of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 6 years, 3 months. | Complete |
| 1141008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum of 75% for purchase transaction of second home with loan amount > XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines XXX. | Complete |
| 1141009 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the departing residence for 5 years 4 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 6 years 8 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified: XXX. CTC: XXX. Leaves reserves of XXX or XXX mos. Required XXX mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 7.45% and guidelines allow the DTI to be 40% | Complete |
| 1141013 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | B | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max LTV of 75% for cash-out on a Second home. Lender exception provided | 6/17/2025- Client acknowledged exception- Final grade B | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 13 yeas.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 6 years 11 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 10.93% and guidelines allow the DTI to be 50% | Complete |
| 1141013 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | B | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing the Underwriting Loan Approval Worksheet | 6/17/2025- Client uploaded ULAW for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 13 yeas.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 6 years 11 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 10.93% and guidelines allow the DTI to be 50% | Complete |
| 1141013 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review discloses -18.18% variance with a value of XXX and the OA value is XXX. A Field Review is required. The Field Review provided is dated XXX which is prior to the appraisal date of XXX. Unable to confirm what value it actual supports since it was pre-appraisal. | 06/26/2025 lender provided Field Review Report dated XXX | 06/26/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 13 yeas.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 6 years 11 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 10.93% and guidelines allow the DTI to be 50% | Complete |
| 1141015 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of XXX due to Lender Credit removed with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 6.12.25-Client provided COC dated XXX stating reason for Lender Credit removal. | 6.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 29 years 2 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X41.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified non liquid assets for reserves XXX. GL required XXX months reserves or $XXX\*XXX=$XXX | Complete |
| 1141018 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 6.12.25 Client provided Initial CD issued & e-signed XXX. | 6.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 30.59% is less than the maximum DTI of 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 786 is above the minimum score of 730 | Complete |
| 1141018 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 6.12.25 Client provided Initial CD issued & e-signed XXX | 6.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 30.59% is less than the maximum DTI of 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 786 is above the minimum score of 730 | Complete |
| 1141018 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan approved at 80% LTV, Max LTV for Warrantable Condo is 75%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX exceed guidelines XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 30.59% is less than the maximum DTI of 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 786 is above the minimum score of 730 | Complete |
| 1141017 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 22.71% | Complete |
| 1141022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 80% exceeds the maximum of 70% for a FTHB with no prior housing history. Lender approval in file. | 6/19/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower occupied the departing residence for 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: XXX/XXX PITIA = XXX months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.54% and guidelines allow the DTI to be 43% | Complete |
| 1141021 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is > the minimum of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.03% is < the maximum of 50.49%. | Complete |
| 1141021 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Cert. | 07/31/2025 lender provided Flood Certificate | 07/31/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is > the minimum of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.03% is < the maximum of 50.49%. | Complete |
| 1141023 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP2057 | XXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Provide XXX Cert of Compliance or Cert of Exemption. | 08/15/2025- Client provided Cert of Compliance. | 08/15/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 670 exceeds min score requirement of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 12 years. | Complete |
| 1141025 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.86% is below max LTV of 60%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 773 FICO score. Minimum required 600. | Complete |
| 1141026 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof of receipt for CD issued XXX. | 8.7.25-Client provided Initial CD issued XXX & e-signed XXX. | 8.7.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 740.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 4.64%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 4 months at current residence. | Complete |
| 1141026 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of XXX due to Lock Extension fee added with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 8.7.25-Client provided COC dated XXX showing Lock Extension Fee changed from $0.00 to XXX | 8.7.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 740.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 4.64%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 4 months at current residence. | Complete |
| 1141029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. | Complete |
| 1141031 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | State Rate Spread | Waived | B | B | B | B | CMPSRS1206 | XXX Non-Prime, First Mortgage Disclosure Missing | No | Provide First Mortgage Disclosure. | 7.31.25-Client requested to change Status from Open/Active to Waive/Closed. | 7.31.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x48. | Complete |
| 1141032 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Final VVOE for B1. | 07/31/2025 lender provided VVOE | 07/31/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 706 FICO score. Minimum required 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has maintained consistent employment working in the Department of Corrections for 19.5 years. | Complete |
| 1141033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets XXX. Cash to close XXX with reserves XXX. Required reserves XXX x XXX = XXX, short reserves XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 Years and 0 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.03% is below guideline requirement of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 0 months in current profession. | Complete |
| 1141034 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 4 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX + XXX = XXX/XXX PITI = XXX months reserves. | Complete |
| 1141038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Recording fee increase of $9.50 above tolerance, added with no valid COC. Provide proof of refund, revised Closing Disclosure, COC explaining changes within 60 days of discovery with proof of delivery via shipping method that includes tracking information. | 8.8.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 8.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 16 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 29.20%, max per guidelines is 50.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qualifying score. Min required per guidelines is 600. | Complete |
| 1141036 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOR in file does not provide a payment rating. Bank statements verified rent payments from XXX to XXX. Provide an updated VOR stating the payment history rating. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.20% is < maximum of 50.49%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 is > the minimum of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the co borrower has been with current employer for 8 years and 4 months with a start date of XXX. | Complete |
| 1141037 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years and 0 months at current profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 39.32%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700 File credit score 757. | Complete |
| 1141039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 is 167 points above minimum program requirement of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.96% is below the guideline minimum of 40%. | Complete |
| 1141040 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 25 years. | Complete |
| 1141041 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 55.01% and guidelines allow the HCLTV to be 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets: XXX/XXX PITI = XXX months reserves. | Complete |
| 1141042 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrowers do not meet the minimum credit requirement of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI if 34.69% is below guides of 43%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 17 years at current profession. | Complete |
| 1141042 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE for B2 dated XXX is not within 3 days of Note date XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI if 34.69% is below guides of 43%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 17 years at current profession. | Complete |
| 1141043 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.76% below guidelines of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.11 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage history 0x30 since 8/2020. | Complete |
| 1141044 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 years at profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX cash reserves | Complete |
| 1141046 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.11 is below max guidelines of 40%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence. | Complete |
| 1141048 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | P&L Statement should cover the current rolling 12 month period. P&L Statement in file only covers XXX - XXX | 8/11/2025- Nothing provided Exception remains8/12/25- Client uploaded 2024 P&L stmt for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 24 years 11 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required reserves $0. | Complete |
| 1141048 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan Amount of XXX exceeds maximum Loan Amount for Rural property of XXX. | 8/11/25- Client acknowledged exception | Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 24 years 11 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required reserves $0. | Complete |
| 1141047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX since 4/1/2014 or 11 years 3 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X89 | Complete |
| 1141049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves XXX GL required XXX reserves. | Complete |
| 1141050 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceed min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXX exceeds guidelines $0. | Complete |
| 1141050 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | No inspection since the XXX FEMA Disaster- Severe Storms, Stright-line Winds and Flooding. | 8/15/25- Client uploaded PDI for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceed min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXX exceeds guidelines $0. | Complete |
| 1141051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing verification of mortgage from lender "XXX" for the mortgage attached to the REO property. This is not reporting to credit. | 08/01/2025 lender provided Credit Supplement for VOM | 08/01/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 7 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. | Complete |
| 1141051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Missing verification of mortgage from lender "XXX" for the mortgage attached to the REO property. This is not reporting to credit. | 08/01/2025 lender provided Credit Supplement for VOM | 08/01/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 7 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. | Complete |
| 1141051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD to include proof of receipt at least 3 business days prior to Closing. | 8.4.25 Client provided Initial CD issued & e-signed XXX. | 8.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 7 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. | Complete |
| 1141051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD to include proof of receipt at least 3 business days prior to Closing. | 8.4.25 Client provided Initial CD issued & e-signed XXX | 8.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 7 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. | Complete |
| 1141051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of mortgage from lender "XXX" for the mortgage attached to the REO property. This is not reporting to credit. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 7 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. Reserves required XXX mos. | Complete |
| 1141053 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | 3 day waiver letter and client approval email in file. Exception Waived. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX - XXX required XXX months reserves = XXX/XXX PITIA = XXX additional months reserves. | Complete |
| 1141054 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Corrected to LTV of 75% exceeds max LTV of 70% for Non perm res purchase with credit score 660 < 699. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 9/24/2006 or 18 years 11 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x36.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX. Required reserves $XXX | Complete |
| 1141055 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 4 year 10 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in her profession for 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 68.29% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: XXX/XXX PITI = XXX- months reserves. | Complete |
| 1141058 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing updated Loan Approval Worksheet and Conditional Loan Approval for 12 month bank statement loan. File contains a Loan Approval Worksheet and Conditional Loan Approval for a DSCR loan. Loan is a primary residence with a 90% LTV. | 08/01/2025 lender provided Updated Approval & ULAW | 08/01/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 20.11 mos. GL required 12 mos. | Complete |
| 1141059 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing the final HUD-1 Settlement Statement from sale of REO on XXX confirming XXX is paid in full and net proceeds of XXX | 08/07/2025 lender provided Final HUD for REO property | 08/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 686 exceeds min score requirement of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 17.95% is below guideline requirements of 85%. | Complete |
| 1141061 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified from XXX #XXX XXX XXX. CTC XXX leaves reserves of XXX Reserves required XXX months = XXX. XXX #XXX XXX with $0 balance. Statements for the retirement account XXX are expired, retirement account with Empower was liquidated and deposited to XXX #XXX | 08/07/2025 lender response: Updated ULAW uploaded08/07/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Good Credit History and Time at Current Residence.08/07/2025 client acknowledged exception | 08/07/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Laon LTV of 80% is less than the maximum LTV of 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory trades reporting to credit. | Complete |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **165** | **165** | **165** | **165** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *165* | *165* | *165* | *165* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *74* | *74* | *74* | *74* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 1140817 | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | No |
| 1140818 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 1140833 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 1140848 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 1140849 | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 1140851 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140852 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 1140856 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140858 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140859 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140860 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140861 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140862 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140864 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 1140865 | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 1140866 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140867 | XXXXXX | XXXXXX | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Not Applicable |
| 1140868 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140870 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140871 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140874 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 1140875 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140877 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1140878 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 1140879 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 1140880 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140881 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 1140882 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140883 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140884 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 1140888 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 1140889 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140890 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140891 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140892 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140893 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 1140894 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140895 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140896 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140897 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140898 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140900 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140899 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140903 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140904 | XXXXXX | XXXXXX | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | No |
| 1140905 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140906 | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 1140907 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 1140908 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 1140909 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140910 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140911 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 773447 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140912 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140913 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 1140914 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140916 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140915 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 1140917 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 1140918 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 1140922 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 1140923 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 1140924 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140925 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140926 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 1140927 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 1140928 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140930 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140929 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140932 | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | No |
| 1140933 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140935 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140937 | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 1140938 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140940 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140941 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140942 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140943 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 1140944 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 1140945 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 1140947 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140948 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140949 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140950 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 1140951 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1140952 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 1140954 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140955 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140956 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 1140957 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 1140958 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140959 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1140960 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140961 | XXXXXX | XXXXXX | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | Not Applicable |
| 1140962 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1140963 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140964 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 1140965 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140966 | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | No |
| 1140967 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140968 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 1140969 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140970 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 1140971 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140972 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140974 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140975 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1140978 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140979 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 1140981 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140984 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140985 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 206760 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1140986 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140987 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1140989 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 1140990 | XXXXXX | XXXXXX | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | No |
| 1140991 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Yes |
| 1140992 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 1140994 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1140996 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 1140997 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141001 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1141003 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 1141004 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1141005 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141006 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141007 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Yes |
| 1141008 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1141009 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141013 | XXXXXX | XXXXXX | D | B | D | B | C | A | A | A | D | B | D | B | C | B | A | A | Not Applicable |
| 1141015 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 1141018 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Yes |
| 1141017 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141022 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1141021 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 1141023 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 1141025 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141026 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 1141029 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141031 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 1141032 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 1141033 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 1141034 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141038 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 1141036 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1141037 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141039 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 1141040 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141041 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141042 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1141043 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141044 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141046 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141048 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 1141047 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 1141049 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141050 | XXXXXX | XXXXXX | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Not Applicable |
| 1141051 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 1141053 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 1141054 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 1141055 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 1141058 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 1141059 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 1141061 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |

---

## Exhibit 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |
| **Client Project Name:** | HOMES 2026-NQM1 | HOMES 2026-NQM1 | HOMES 2026-NQM1 |  |
| **Start - End Dates:** | 2/18/2025 - 8/11/2025 | 2/18/2025 - 8/11/2025 | 2/18/2025 - 8/11/2025 |  |
| **Deal Loan Count:** | 165 | 165 | 165 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *165* | *165* | *165* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 1140817 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| 1140817 | XXXXXX | Combined LTV | 70.00 | 67.88 |
| 1140817 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Alt Doc/P&L |
| 1140817 | XXXXXX | Original LTV | 70.00 | 67.88 |
| 1140817 | XXXXXX | Property Type | Low Rise Condo (1-4) | Attached PUD |
| 1140817 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 1140818 | XXXXXX | Representative Credit Score for Grading | 784 | 803 |
| 1140848 | XXXXXX | Representative Credit Score for Grading | 774 | 771 |
| 1140851 | XXXXXX | Representative Credit Score for Grading | 776 | 729 |
| 1140856 | XXXXXX | Representative Credit Score for Grading | 720 | 708 |
| 1140859 | XXXXXX | Representative Credit Score for Grading | 781 | 776 |
| 1140864 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 1140865 | XXXXXX | Debt to Income Ratio (Back) | 38.9000 | 33.0726 |
| 1140867 | XXXXXX | Debt to Income Ratio (Back) | 8.9000 | 4.4942 |
| 1140867 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 1140870 | XXXXXX | Debt to Income Ratio (Back) | 34.5000 | 26.5374 |
| 1140878 | XXXXXX | Debt to Income Ratio (Back) | 37.9000 | 34.2459 |
| 1140882 | XXXXXX | Debt to Income Ratio (Back) | 33.6000 | 38.5173 |
| 1140894 | XXXXXX | Number of Units | 2 | 1 |
| 1140904 | XXXXXX | Debt to Income Ratio (Back) | 42.7000 | 39.6174 |
| 1140909 | XXXXXX | Number of Units | 2 | 1 |
| 1140927 | XXXXXX | Representative Credit Score for Grading | 735 | 696 |
| 1140928 | XXXXXX | Borrower DSCR Percent | 1.2620 | 1.0057 |
| 1140932 | XXXXXX | Borrower DSCR Percent | 1.9720 | 1.5717 |
| 1140932 | XXXXXX | Debt to Income Ratio (Back) | 1157.6000 | 0.0000 |
| 1140943 | XXXXXX | Representative Credit Score for Grading | 760 | 794 |
| 1140947 | XXXXXX | Borrower DSCR Percent | 1.5190 | 1.3974 |
| 1140948 | XXXXXX | Representative Credit Score for Grading | 770 | 760 |
| 1140950 | XXXXXX | Borrower DSCR Percent | 1.2650 | 1.4113 |
| 1140951 | XXXXXX | Number of Units | 2 | 1 |
| 1140957 | XXXXXX | Number of Units | 4 | 1 |
| 1140969 | XXXXXX | Borrower DSCR Percent | 0.0000 | 1.034 |
| 1140981 | XXXXXX | Borrower DSCR Percent | 1.1120 | 0.8776 |
| 1140996 | XXXXXX | Debt to Income Ratio (Back) | 5.3000 | 18.6734 |
| 1141007 | XXXXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 1141008 | XXXXXX | Debt to Income Ratio (Back) | 16.3000 | 25.0245 |
| 1141013 | XXXXXX | Debt to Income Ratio (Back) | 16.3000 | 10.9259 |
| 1141017 | XXXXXX | Debt to Income Ratio (Back) | 11.7000 | 22.7095 |
| 1141038 | XXXXXX | Representative Credit Score for Grading | 741 | 723 |
| 1141047 | XXXXXX | Debt to Income Ratio (Back) | 44.2000 | 26.7235 |
| 1141053 | XXXXXX | Debt to Income Ratio (Back) | 48.3000 | 34.2307 |
| 1141054 | XXXXXX | Representative Credit Score for Grading | 680 | 689 |
| 1141058 | XXXXXX | Debt to Income Ratio (Back) | 24.0000 | 18.9346 |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **165** | **165** | **165** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *165* | *165* | *165* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| 1140817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3222 | Yes | No | 2.249 | 2.249 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.62 | 40.62 | 0 | 40.62 | 40.62 | 40.62 | No | Yes | Yes | XXXXXX | 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) | Yes | CPA | 12 | 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 | XXXXXX | No | XXXXXX | (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) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 1140818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | Yes | 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 | 36.76 | 0 | 36.76 | 36.76 | 36.76 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 24 | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140833 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9184 | Yes | Yes | 0.388 | 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 | 35.06 | 40.92 | 35.06 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | XXXXXX | 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) | Yes | CPA | 12 | 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 | XXXXXX | No | XXXXXX | (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) | CPA Letter - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.3841 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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) | No | Yes | 1 | 7.1251 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0333 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140851 | 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) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.5079 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | Yes | No | 3 | (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 | 36.05 | 0 | 36.05 | 36.05 | 36.05 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% 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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.0693 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140858 | 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) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.4177 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 2.1235 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | 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 | 8.6250 | Yes | 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 | 35.05 | 0 | 35.05 | 35.05 | 35.05 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140861 | 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 | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | Yes | 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 | 12.87 | 0 | 12.87 | 12.87 | 13.44 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1140862 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 3 | (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 | 38.83 | 0 | 38.83 | 38.83 | 38.83 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 324 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2482 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140865 | 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% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 3 | (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 | 33.07 | 0 | 33.07 | 33.07 | 33.07 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140866 | 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 | Yes | 5% of UPB if amt prepd in 12 mos is >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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.1444 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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) | No | Yes | 1 | 7.5000 | Yes | No | 3 | (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 | 4.49 | 0 | 4.49 | 4.49 | 4.81 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 1140868 | 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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.4891 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | Yes | 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 | 26.54 | 0 | 26.54 | 26.54 | 27.68 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140871 | 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% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.5275 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 3 | (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 | 34.59 | 0 | 34.59 | 34.59 | 34.59 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3129 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 3 | (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 | 34.05 | 0 | 34.05 | 34.05 | 34.05 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140878 | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | Yes | 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 | 34.25 | 0 | 34.25 | 34.25 | 34.25 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) | 1099 - 24 months;<br> CPA Letter - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140879 | 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% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.4657 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.3359 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 3 | (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 | 36.39 | 0 | 36.39 | 36.39 | 36.39 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | 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 | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> Verbal VOE with Income - 27 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.0000 | Yes | 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 | 38.52 | 0 | 38.52 | 38.52 | 38.52 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.0000 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.5180 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2838 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.1997 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140889 | 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% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.3110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140890 | 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) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 9.3750 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.5779 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | Yes | 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 | 34.05 | 0 | 34.05 | 34.05 | 34.05 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | Yes | No | 3 | (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 | 21.54 | 0 | 21.54 | 21.54 | 21.54 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140893 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 3 | (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 | 11.27 | 0 | 11.27 | 11.27 | 11.27 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 112 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 112 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140894 | 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% of UPB if amt prepd >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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.2986 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 3 | (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 | 17.96 | 0 | 17.96 | 17.96 | 17.96 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | 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 | 16.46 | 0 | 16.46 | 16.46 | 16.46 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.8051 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.5877 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | 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 | 31.55 | 0 | 31.55 | 31.55 | 31.55 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | Yes | 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 | 32.2 | 0 | 32.2 | 32.2 | 32.2 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 372 months | Business Bank Statements - 12 months;<br> CPA Letter - 372 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140903 | 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 | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.6488 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | Yes | No | 3 | (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 | 39.62 | 0 | 39.62 | 39.62 | 39.62 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.0743 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 3 | (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 | 14.18 | 0 | 14.18 | 14.18 | 14.18 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140907 | 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 | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 0.9910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 3 | (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 | 6.61 | 0 | 6.61 | 6.61 | 6.61 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140909 | 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% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | 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 | 44.82 | 0 | 44.82 | 44.82 | 44.82 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.5158 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | Yes | 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 | 30.59 | 0 | 30.59 | 30.59 | 30.59 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 226 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 226 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 773447 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.5809 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3679 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140913 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.2500 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.37 | 0 | 19.37 | 19.37 | 19.37 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | 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 | 36.74 | 0 | 36.74 | 36.74 | 36.74 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.0361 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.5000 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 3.3422 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | 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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.2315 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2519 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.2500 | Yes | No | 3 | (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 | 16.41 | 0 | 16.41 | 16.41 | 16.41 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 1140923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.7568 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2287 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140925 | 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 UPB if amt prepd in 12 mos is >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 | 38.35 | 0 | 38.35 | 38.35 | 38.35 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.4800 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-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% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.7892 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 1140928 | 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% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.0057 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.0162 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 3.0448 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140932 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.5717 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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 | 30.81 | 0 | 30.81 | 30.81 | 30.81 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.8750 | Yes | No | 3 | (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 | 23.4 | 0 | 23.4 | 23.4 | 23.4 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 1140937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1787 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1257 | No | No | 6.647 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) | Other | (No Data) | (No Data) | (No Data) |
| 1140940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1648 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140941 | 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 | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | XXXXXX | Yes | XXXXXX | 1.0741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (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 | 8.9990 | 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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8676 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0933 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | Yes | 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 | 35.11 | 0 | 35.11 | 35.11 | 35.11 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.9858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140947 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.3974 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.5122 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140949 | 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% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.3928 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | 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) | XXXXXX | 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 | Yes | Yes | XXXXXX | No | XXXXXX | 1.4113 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140951 | 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% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.1250 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.0745 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140954 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.7500 | 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) | XXXXXX | 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 | XXXXXX | Yes | XXXXXX | 1.4613 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 1140955 | 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 | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | 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 | 17.24 | 0 | 17.24 | 17.24 | 17.24 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (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% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1140957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3860 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | Yes | 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 | 34.01 | 0 | 34.01 | 34.01 | 34.01 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140959 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.8750 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.1617 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140960 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | XXXXXX | No | XXXXXX | (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) |
| 1140961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.6240 | No | No | 3 | (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 | 50.89 | 0 | 50.89 | 50.89 | 50.89 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | 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) | Business Bank Statements - 12 months | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.36 | 0 | 43.36 | 43.36 | 43.36 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 1140963 | 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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | XXXXXX | No | XXXXXX | 2.4357 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | Yes | No | 3 | (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 | 36.51 | 0 | 36.51 | 36.51 | 36.51 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.0019 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8045 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | 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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | XXXXXX | No | XXXXXX | 1.1120 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140968 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.9796 | No | No | 6.349 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1140969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5001 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.2939 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140971 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1140972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD > 20% OPB if Amt PPD within 12 months > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1140974 | 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) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.8231 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) |
| 1140978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (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 | 49.14 | 0 | 49.14 | 49.14 | 49.14 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140979 | 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) | Rate and Term Refi | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 0.8288 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8776 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140984 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | 1.0023 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140985 | 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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (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) | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 206760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9815 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (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% of amt prepd in 12 mos if amt prepd is >20% of UPB | (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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | XXXXXX | No | XXXXXX | 1.1098 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140987 | 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% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6019 | No | No | 7.35 | (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) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | XXXXXX | No | XXXXXX | 1.0063 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 1140990 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9888 | No | No | 2.855 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.42 | 44.42 | 0 | 44.42 | 44.42 | 44.42 | Yes | Yes | Yes | XXXXXX | 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 | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140991 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6170 | No | No | 1.13 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.48 | 50.47 | 50.48 | 50.47 | 50.47 | 50.47 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 144 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 120 months | Paystub - 12 months;<br> Written VOE - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | 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 | 7.0237 | Yes | Yes | 1.017 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.71 | 11.03 | 12.71 | 11.03 | 11.03 | 11.03 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 54 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7561 | Yes | Yes | 1.189 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.52 | 7.76 | 7.52 | 7.76 | 7.76 | 7.76 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) |
| 1140996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3956 | Yes | Yes | 1.844 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.26 | 18.67 | 5.26 | 18.67 | 18.67 | 18.67 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 252 months | Business Bank Statements - 12 months;<br> CPA Letter - 252 months | Business Bank Statements - 12 months;<br> CPA Letter - 204 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1140997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3366 | No | No | 3.278 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.48 | 46.48 | 46.48 | 46.48 | 46.48 | 46.48 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141001 | 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 | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2959 | Yes | No | 2.131 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.88 | 15.13 | 0 | 15.13 | 15.13 | 15.13 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141003 | 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 | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5283 | Yes | Yes | 2.705 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.81 | 23.13 | 22.81 | 23.13 | 23.13 | 23.13 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141004 | 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 | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2908 | Yes | Yes | 1.561 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.6 | 29.45 | 29.6 | 29.45 | 29.45 | 29.45 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141005 | 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 | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0455 | Yes | Yes | 1.678 | 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 | 38.55 | 38.55 | 38.55 | 38.55 | 38.55 | 38.55 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9587 | Yes | Yes | 2.734 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.32 | 36.32 | 36.32 | 36.32 | 36.32 | 36.32 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1141007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7069 | Yes | Yes | 3.319 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.67 | 5.46 | 6.67 | 5.46 | 5.46 | 5.46 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 156 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141008 | 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 | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5801 | Yes | Yes | 1.689 | 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 | 16.31 | 25.02 | 16.31 | 25.02 | 25.02 | 25.02 | Yes | Yes | Yes | XXXXXX | Yes | 60 | Yes | Yes | 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 | XXXXXX | No | XXXXXX | (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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141009 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5614 | Yes | Yes | 1.404 | 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 | 7.45 | 7.45 | 7.45 | 7.45 | 7.45 | 7.45 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141013 | 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 | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4145 | Yes | Yes | 2.719 | 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 | 16.32 | 10.93 | 16.32 | 10.93 | 10.93 | 10.93 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 35 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | 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 | 7.0625 | Yes | Yes | 1.529 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.88 | 40.66 | 39.88 | 40.66 | 40.66 | 40.66 | Yes | Yes | Yes | XXXXXX | Yes | 60 | Yes | Yes | 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 | XXXXXX | No | XXXXXX | (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 - 336 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141018 | 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 | 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 | 7.4418 | Yes | Yes | 2.643 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.03 | 30.59 | 30.03 | 30.59 | 30.59 | 30.59 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141017 | 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 | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0068 | Yes | Yes | 2.145 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.73 | 22.71 | 11.73 | 22.71 | 22.71 | 22.71 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.2884 | Yes | Yes | 1.958 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 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) | Yes | Yes | 1 | 7.8661 | No | No | 3.408 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.99 | 45.03 | 44.99 | 45.03 | 45.03 | 45.03 | Yes | Yes | Yes | XXXXXX | 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 | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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 - 28 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 1141023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.3905 | No | No | 3.646 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.44 | 48.44 | 48.44 | 48.44 | 48.44 | 48.44 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3345 | No | No | 4.285 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 54.84 | 54.84 | 54.84 | 54.84 | 54.84 | 54.84 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.9615 | Yes | Yes | 4.273 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.64 | 4.64 | 4.64 | 4.64 | 4.64 | 4.64 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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 - 108 months | (No Data) | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 1141029 | 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 | 8.3525 | No | No | 1.934 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.16 | 48.45 | 47.16 | 48.45 | 48.45 | 48.45 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (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) | Yes | Yes | 1 | 9.2805 | No | No | 3.364 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.09 | 47.09 | 47.09 | 47.09 | 47.09 | 47.09 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4483 | No | No | 1.928 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.98 | 44.83 | 44.98 | 44.83 | 44.83 | 44.83 | Yes | Yes | Yes | XXXXXX | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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) | 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) | Award Letter - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | 1099 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2467 | No | No | 3.255 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.94 | 45.03 | 45.94 | 45.03 | 45.03 | 45.03 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months | Business Bank Statements - 13 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 1141034 | 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 | No | 1 | 8.1074 | Yes | Yes | 2.124 | 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 | 18.82 | 18.79 | 18.82 | 18.79 | 18.79 | 18.79 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 55 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 55 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1760 | Yes | Yes | 3.882 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.2 | 29.2 | 29.2 | 29.2 | 29.2 | 29.2 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1141036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3062 | Yes | Yes | 2.077 | 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 | 39.58 | 40.2 | 39.58 | 40.2 | 40.2 | 40.2 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 27 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3380 | Yes | Yes | 2.629 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.32 | 39.32 | 39.32 | 36.88 | 36.88 | 38.37 | Yes | Yes | Yes | XXXXXX | 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) | Yes | CPA | 17 | 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 | XXXXXX | No | XXXXXX | (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) | CPA Letter - 252 months;<br> P & L - 17 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141039 | 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 | No | 1 | 7.3284 | Yes | Yes | 1.968 | 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 | 34.97 | 34.97 | 34.97 | 34.97 | 34.97 | 34.97 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141040 | 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 | 7.0185 | Yes | Yes | 1.362 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.26 | 5.26 | 5.26 | 5.26 | 5.26 | 5.26 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3707 | Yes | Yes | 4.578 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.14 | 29.04 | 29.14 | 29.04 | 29.04 | 29.04 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | Unknown | (No Data) | (No Data) | (No Data) |
| 1141042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.5065 | Yes | Yes | 3.987 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.34 | 34.69 | 31.34 | 34.69 | 34.69 | 34.69 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 6 | 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 | XXXXXX | No | XXXXXX | (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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 6 months;<br> Personal Bank Statements - 3 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 1141043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7508 | No | No | 4.123 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.9 | 44.92 | 47.9 | 44.92 | 44.92 | 44.92 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141044 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0495 | No | No | 1.797 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.73 | 48.43 | 49.73 | 48.43 | 48.43 | 48.43 | Yes | Yes | Yes | XXXXXX | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1779 | Yes | Yes | 3.025 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.57 | 22.11 | 23.57 | 22.11 | 22.11 | 22.11 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) |
| 1141048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7859 | Yes | Yes | 2.297 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | No | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.06 | 40.15 | 38.06 | 40.15 | 40.15 | 40.15 | Yes | Yes | Yes | XXXXXX | 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) | Yes | Tax Preparer | 18 | 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 | XXXXXX | No | XXXXXX | (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) | CPA Letter - 24 months;<br> P & L - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5556 | Yes | No | 2.407 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.23 | 26.72 | 44.23 | 26.72 | 26.72 | 26.72 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9283 | Yes | No | 2.72 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.13 | 42.34 | 0 | 42.34 | 42.34 | 42.34 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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) | Yes | Yes | 1 | 9.2555 | No | No | 3.805 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.4 | 48.51 | 48.4 | 48.51 | 48.51 | 48.51 | Yes | Yes | Yes | XXXXXX | 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 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | (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 - 30 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 1141051 | 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 | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6473 | No | No | 2.61 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.05 | 50.08 | 50.05 | 50.08 | 50.08 | 50.08 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4474 | Yes | No | 3.276 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.31 | 34.23 | 48.31 | 34.23 | 34.23 | 34.23 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4797 | No | No | 2.225 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.48 | 48.34 | 50.48 | 48.34 | 48.34 | 48.34 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141055 | 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 | Yes | 1 | 7.0710 | No | No | 1.544 | 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 | 49.64 | 49.06 | 49.64 | 49.06 | 49.06 | 49.06 | Yes | Yes | Yes | XXXXXX | 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) | Yes | CPA | 18 | 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 | XXXXXX | No | XXXXXX | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | 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 | 9.2162 | Yes | Yes | 1.567 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.49 | 18.93 | 23.49 | 18.93 | 18.93 | 18.93 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) |
| 1141059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | 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) | Yes | No | 1 | 7.8105 | Yes | Yes | 3.504 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.31 | 24.3 | 24.31 | 24.3 | 24.3 | 24.3 | Yes | Yes | Yes | XXXXXX | 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 | XXXXXX | No | XXXXXX | (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) | 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) | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1141061 | 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 | Yes | 1 | 7.6775 | No | No | 2.831 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.79 | 47.79 | 47.79 | 47.79 | 47.79 | 47.79 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <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 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | HOMES 2026-NQM1 | HOMES 2026-NQM1 | HOMES 2026-NQM1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 2/18/2025 - 8/11/2025 | 2/18/2025 - 8/11/2025 | 2/18/2025 - 8/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 165 | 165 | 165 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *165* |  |  |  | **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** |
| 1140817 | 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% | (No Data) |
| 1140818 | 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% | 1.4 |
| 1140833 | 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% | (No Data) |
| 1140848 | 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% | (No Data) |
| 1140849 | 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) |
| 1140851 | 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) |
| 1140852 | 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% | (No Data) |
| 1140856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140858 | 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) |
| 1140859 | 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% | (No Data) |
| 1140860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140861 | 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 |
| 1140862 | 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% | (No Data) |
| 1140864 | 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 |
| 1140865 | 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% | 2 |
| 1140866 | 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% | 2 |
| 1140867 | 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 | 28.85% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 1140868 | 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% | (No Data) |
| 1140870 | 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 |
| 1140871 | 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% | 2.5 |
| 1140874 | 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 |
| 1140875 | 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) |
| 1140877 | 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 |
| 1140878 | 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 |
| 1140879 | 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 |
| 1140880 | 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% | (No Data) |
| 1140881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140883 | 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% | (No Data) |
| 1140884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 7.95% | Full Appraisal |  | $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) |
| 1140888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140889 | 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 |
| 1140890 | 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) |
| 1140891 | 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) |
| 1140892 | 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 |
| 1140893 | 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 |
| 1140894 | 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% | (No Data) |
| 1140895 | 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% | (No Data) |
| 1140896 | 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% | (No Data) |
| 1140897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1140898 | 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% | (No Data) |
| 1140900 | 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% | 1.2 |
| 1140899 | 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% | 1.9 |
| 1140903 | 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 |
| 1140904 | 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% | (No Data) |
| 1140905 | 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% | (No Data) |
| 1140906 | 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% | 2 |
| 1140907 | 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 |
| 1140908 | 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 |
| 1140909 | 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% | 2 |
| 1140910 | 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% | (No Data) |
| 1140911 | 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 |
| 773447 | 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 |
| 1140912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1140913 | 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 |
| 1140914 | 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% | 1.2 |
| 1140916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1140915 | 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% | 1.2 |
| 1140917 | 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% | 1.9 |
| 1140918 | 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 |
| 1140922 | 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 |
| 1140923 | 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) |
| 1140924 | 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% | 1.6 |
| 1140925 | 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) |
| 1140926 | 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) |
| 1140927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -0.06% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 1140928 | 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% | 1.3 |
| 1140930 | 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% | 1.9 |
| 1140929 | 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% | 1.5 |
| 1140932 | 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) |
| 1140933 | 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% | 2.5 |
| 1140935 | 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) |
| 1140937 | 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% | (No Data) |
| 1140938 | 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 |
| 1140940 | 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% | 2.1 |
| 1140941 | 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% | (No Data) |
| 1140942 | 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 |
| 1140943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1140944 | 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 |
| 1140945 | 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 |
| 1140947 | 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% | 1.9 |
| 1140948 | 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) |
| 1140949 | 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 |
| 1140950 | 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% | 1.2 |
| 1140951 | 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% | 1.9 |
| 1140952 | 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% | 2.1 |
| 1140954 | 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) |
| 1140955 | 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 |
| 1140956 | 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 |
| 1140957 | 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% | (No Data) |
| 1140958 | 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% | 2.3 |
| 1140959 | 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% | 1.2 |
| 1140960 | 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 |
| 1140961 | 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% | (No Data) |
| 1140962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1140963 | 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 |
| 1140964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1140965 | 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 |
| 1140966 | 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 |
| 1140967 | 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% | (No Data) |
| 1140968 | 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% | 2.1 |
| 1140969 | 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% | (No Data) |
| 1140970 | 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% | (No Data) |
| 1140971 | 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% | 1.6 |
| 1140972 | 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% | (No Data) |
| 1140974 | 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) |
| 1140975 | 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% | (No Data) |
| 1140978 | 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 |
| 1140979 | 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% | (No Data) |
| 1140981 | 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 |
| 1140984 | 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% | 1.4 |
| 1140985 | 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% | (No Data) |
| 206760 | 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 |
| 1140986 | 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 |
| 1140987 | 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 |
| 1140989 | 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% | 2.5 |
| 1140990 | 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% | (No Data) |
| 1140991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $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) |
| 1140992 | 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% | (No Data) |
| 1140994 | 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% | 1.6 |
| 1140996 | 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% | 1.4 |
| 1140997 | 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) |
| 1141001 | 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% | (No Data) |
| 1141003 | 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% | (No Data) |
| 1141004 | 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% | 2.5 |
| 1141005 | 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% | (No Data) |
| 1141006 | 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% | (No Data) |
| 1141007 | 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% | 1.9 |
| 1141008 | 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% | (No Data) |
| 1141009 | 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% | (No Data) |
| 1141013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -18.18% |  | $0.00 | $0.00 | 0.00% | 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% | (No Data) |
| 1141015 | 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 |
| 1141018 | 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 |
| 1141017 | 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 |
| 1141022 | 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 |
| 1141021 | 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 |
| 1141023 | 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% | (No Data) |
| 1141025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1141026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.31% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 1141029 | 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 |
| 1141031 | 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% | (No Data) |
| 1141032 | 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% | 2 |
| 1141033 | 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% | 1.6 |
| 1141034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 4.23% | Full Appraisal |  | $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% | (No Data) |
| 1141038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -0.92% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 1141036 | 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% | (No Data) |
| 1141037 | 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% | (No Data) |
| 1141039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1141040 | 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% | (No Data) |
| 1141041 | 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 |
| 1141042 | 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 |
| 1141043 | 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% | 1.6 |
| 1141044 | 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% | 1.4 |
| 1141046 | 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 |
| 1141048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (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) |
| 1141047 | 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 |
| 1141049 | 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 |
| 1141050 | 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% | (No Data) |
| 1141051 | 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% | 2 |
| 1141053 | 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 |
| 1141054 | 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 |
| 1141055 | 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 |
| 1141058 | 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 |
| 1141059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (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) |
| 1141061 | 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% | (No Data) |

---

## Exhibit 99.4

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | |  |  |
| **Client Project Name:** | **HOMES 2026-NQM1** | **HOMES 2026-NQM1** |  |  |
| **Start - End Dates:** | **2/18/2025 - 8/11/2025** | **2/18/2025 - 8/11/2025** |  |  |
| **Deal Loan Count:** | **165** | **165** |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL100 | Legal document incorrect or incomplete | 1 |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 3 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 4 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 6 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 50% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 8 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 2 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Application | CRDAPP2298 | Missing Second Appraisal | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 3 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 3 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR169 | Appraisal includes one or more issue(s) | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 2 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | 1 |
| Compliance | Documentation | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | 1 |
| Compliance | State Rate Spread | CMPSRS1206 | XXX Non-Prime, First Mortgage Disclosure Missing | 1 |
| **Total** |  |  |  | **47** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.5

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.5**

![](ca-logo.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by APF II Resi O4B, LLC through a bulk purchase. The review included a total of 128 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as HOMES 2026-NQM1 (the "Securitization"). The Review was conducted from February 2025 through October 2025 on mortgage loans originated between October 2024 and August 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics 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 attempted to confirm the following:

* QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

* Validate loan-to-value (LTV) and combined loan-to-value

* Review borrower's occupancy

* Validation through third party resource of the subject properties most recent
twelve (12) month sales history

* Confirm sufficient evidence in loan file, by reviewing the underwriter's
decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to
repay the debt

* Confirm that Final 1003 is sufficiently completed

* Provide Audit 1008 with accurate data based on file documentation

* Confirm Loan Approval conditions were met

* Review condominium questionnaire to verify all information is complete, prepared
by an authorized representative, and address any red flags that may deem condominium project ineligible

* General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

* Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable
dollar amount threshold; 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. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable
dollar amount threshold; 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. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount
threshold.

* Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable
dollar amount threshold; 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. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount
threshold.

* Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to
or greater than the applicable dollar amount threshold; 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. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable
dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification
requirement. A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline
per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy
Handbook, issued October 24, 2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. No t ice of Right to Cancel (Rescission)
Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all r equired
parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and o r i ginating
firm's license status was active and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was
not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (128 loans in total):

Ninety (90) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Five (5) loans had Secondary Appraisal, five (5) loans had an AVM, and forty-six (46) loans had Desk Reviews. Consolidated Analytics has independent access to the Desk Reviews ordered by the Aggregator.

If a loan with an AVM or Desk Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) occurrences of this.

Product totals may not sum due to multiple products for each loan.

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred twenty-eight (128) mortgage loans reviewed, seventy-nine (79) unique mortgage loans (61.72% by loan count) had a total of three hundred five (305) discrepancies across thirty-nine (39) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;44 | &nbsp;&nbsp;14.33% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;42 | &nbsp;&nbsp;13.68% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;34 | &nbsp;&nbsp;11.07% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;8.79% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.19% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.23% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.23% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.91% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.93% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Underwriting Exception in File? | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**305** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 105 | $50623791.00 | 82.03% |
| Event Grade B | 23 | $14735590.00 | 17.97% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 128 | $65359381.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 113 | 88.28% |
| Event Grade B | 15 | 11.72% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 128 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 32 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 32 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 32 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 90 | 93.75% |
| Event Grade B | 6 | 6.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 96 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 124 | 96.88% |
| Event Grade B | 4 | 3.13% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 128 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Maturity Date is not the first of the month | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Payment shock exceeds guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing Or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing Or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Policy Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Address Does Not Match Deed of Trust Address | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income 4 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**135** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**21** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Second Home Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**95** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**104** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property or house size is outside of guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**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 99.5

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1124215 | XXXXX | Months Reserves | XXX | XXX | XXX market value of $XXX, XXX account #XXX value of $XXX |
| 1125092 | XXXXX | Qualifying FICO | XXX | XXX | Taking higher of per guidelines dated XX/XX/XXXX |
| 1131796 | XXXXX | Months Reserves | XXX | XXX | Using #XXX XX/XX/XXXX $XXX |
| 1125095 | XXXXX | Qualifying FICO | XXX | XXX | Using lower of per XX/XX/XXXX guides |
| 1131765 | XXXXX | Months Reserves | XXX | XXX | Using $XXX from 1031 exchange and XXX $XXX discounted XXX% |
| 1122774 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 1122782 | XXXXX | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX, Taxes $XXX, HOA $XXX, hazard $XXX |
| 1122782 | XXXXX | Months Reserves | XXX | XXX | #XXX reflects $XXX |
| 1094844 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | per mortgage |
| 1094844 | XXXXX | Property Type | XXX | XXX | per appraisal |
| 1094844 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Based on balance prior to wire to Title company |
| 1094844 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | using original credit report |
| 1094844 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Borrowers income incorrectly figured |
| 1112269 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets listed on 1003 cash out received and XXX month reserves |
| 1112269 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 1112269 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities |
| 1095266 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified asset listed on the 1003 that are dated w/in XXX days of the Note date and the cash-out amount. |
| 1095266 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-using the debts from the origination credit report. |
| 1095266 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debts the from origination credit report. |
| 1095275 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserve variance is based on the cash received at the time of sale of the O/O property at time of application. |
| 1095275 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to a slight income variation (auditor did not round the income) and using the debt payments from the origination credit report. |
| 1095275 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the cash received from the sale of primary residence at time of application and debt payments from the origination credit report. |
| 1140850 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Per driver's license |
| 1140850 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140850 | XXXXX | Qualifying CLTV | XXX | XXX | Per appraisal and note |
| 1140850 | XXXXX | Qualifying LTV | XXX | XXX | Per appraisal and note |
| 1115378 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | minimal variance |
| 1115378 | XXXXX | Calculated DSCR | XXX | XXX | not a dscr approval |
| 1115378 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | minimal variance |
| 1140806 | XXXXX | Borrower 1 FTHB | XXX | XXX | Not a FTHB |
| 1140806 | XXXXX | Originator Doc Type | XXX | XXX | DSCR loan |
| 1140806 | XXXXX | Total Qualified Assets Available | XXX | XXX | Updated information |
| 1140806 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated information |
| 1140806 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Updated information |
| 1140806 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Updated information |
| 1140854 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140854 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1140854 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1140998 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140998 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1140998 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1140825 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note in file has the date crossed out and changed to XX/XX/XXXX. It was initialed by borrower. |
| 1140825 | XXXXX | Originator Doc Type | XXX | XXX | File contains XXX months of business bank statements. |
| 1140825 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD in file. |
| 1140825 | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Per CD in file |
| 1140825 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit data based on asset statement in file. |
| 1140825 | XXXXX | Total Qualified Assets Available | XXX | XXX | Audit data based on asset statement in file. |
| 1140825 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Audit data based on asset statement in file. |
| 1140825 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | \*\* Compliance team to review |
| 1140815 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Per Note |
| 1140815 | XXXXX | Originator Doc Type | XXX | XXX | File contains 1 year W-2 |
| 1140815 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit data is based on asset statements in file. |
| 1140815 | XXXXX | Total Qualified Assets Available | XXX | XXX | Audit data is based on asset statements in file. |
| 1140815 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Audit data is based on asset statements in file. |
| 1140815 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | The final 1003 did not list an HOA payment for the rental property located at XXX. Audit is including a payment based on the statement on XXX. |
| 1140815 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | \*\* Compliance team to review |
| 1140853 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Per driver's license |
| 1140853 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140853 | XXXXX | Qualifying LTV | XXX | XXX | Per appraisal and note |
| 1140853 | XXXXX | Qualifying CLTV | XXX | XXX | Per appraisal and note |
| 1122528 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1122528 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122548 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Calculated from verified assets on final 1003 |
| 1122548 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Difference of $XXX dollars |
| 1140814 | XXXXX | Index | XXX | XXX | Index verified. |
| 1140814 | XXXXX | Qualifying Monthly P&I Amount | $XXX | $XXX | Arm monthly payment per G/L is Note rate or fully amortized rate used. |
| 1140814 | XXXXX | Qualifying Interest Rate | XXX | XXX | Interest verified per G/L is Note rate or fully amortized rate used. |
| 1140814 | XXXXX | Originator Doc Type | XXX | XXX | Doc type selected from drop down. |
| 1140814 | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Verified debt paid at closing. |
| 1140814 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement verified via final CD XX/XX/XXXX |
| 1140814 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Assets verified via cash out reserves. |
| 1140814 | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified via cash out reserves. |
| 1140814 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 1140814 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Liabilities verified. |
| 1140869 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Per driver's license |
| 1140869 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140869 | XXXXX | Qualifying CLTV | XXX | XXX | Per appraisal and note |
| 1140869 | XXXXX | Qualifying LTV | XXX | XXX | Per appraisal and note |
| 1122537 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1122792 | XXXXX | Originator Doc Type | XXX | XXX |  |
| 1122792 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122792 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender using a higher qualifying bonus income |
| 1122792 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122792 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a higher qualifying bonus income |
| 1140885 | XXXXX | Interest Rate | XXX | XXX | rounding, matches lender |
| 1140885 | XXXXX | Qualifying CLTV | XXX | XXX | rounding, matches lender |
| 1140885 | XXXXX | Qualifying LTV | XXX | XXX | rounding, matches lender |
| 1141010 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1141010 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1141010 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1141011 | XXXXX | Interest Rate | XXX | XXX | rounding, matches lender |
| 1141011 | XXXXX | Qualifying CLTV | XXX | XXX | rounding, matches lender |
| 1141011 | XXXXX | Qualifying LTV | XXX | XXX | rounding, matches lender |
| 1124235 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124235 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender using updated credit report - broker credit has not expired |
| 1124235 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Lender using updated credit report - broker credit has not expired |
| 1140821 | XXXXX | Mortgage Origination Channel | XXX | XXX | Wholesale Origination verified. |
| 1140821 | XXXXX | Originator Doc Type | XXX | XXX | Doc type selected from drop down. |
| 1140821 | XXXXX | Qualifying LTV | XXX | XXX | Rounding issue. |
| 1140821 | XXXXX | Qualifying CLTV | XXX | XXX | Rounding issue. |
| 1140821 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 1140821 | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified via asset docs. |
| 1140821 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Assets verified via asset docs. |
| 1140821 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 1140822 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 1140822 | XXXXX | Originator Doc Type | XXX | XXX | Per loan approval |
| 1140822 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset statements minus reserves |
| 1140822 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset statements |
| 1140822 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Rounding |
| 1140822 | XXXXX | Lock Term (Days) | XXX | XXX | Per lock |
| 1140822 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 1122762 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1122762 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122762 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124202 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | reserves are verified with the assets on file |
| 1124202 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124202 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | verified income is less by $XXX per month |
| 1124202 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124202 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | verified income is less by $XXX/mo |
| 1140819 | XXXXX | Originator Doc Type | XXX | XXX | Doc type selected from drop down. |
| 1140819 | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Debt paid at closing verified. |
| 1140819 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disbursement date verified. |
| 1140819 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets verified via cash-out reserves. |
| 1140819 | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified via cash-out reserves. |
| 1140819 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 1140819 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Liabilities verified via final CD for XXX |
| 1140819 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 1124184 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 1124184 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124184 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income |
| 1124189 | XXXXX | Originator Doc Type | XXX | XXX |  |
| 1124189 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | reserves verified with proceeds from the sale and business bank statements |
| 1124189 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | residual income calculated using total income minus all expenses |
| 1124190 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Need to source EM deposit |
| 1124190 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Using original credit |
| 1124190 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124190 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Using original credit |
| 1140820 | XXXXX | Borrower 1 Citizen | XXX | XXX | Permanent Resident card provided. |
| 1140820 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | XXX is not listed as a surname on drivers license and Permanent Resident card. |
| 1140820 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 1140820 | XXXXX | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 1140820 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Used net proceeds from final CD for cash out on the primary. |
| 1140820 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 1140820 | XXXXX | Lock Term (Days) | XXX | XXX | Data entry. |
| 1140824 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Does not include cash back to borrower at closing. |
| 1140824 | XXXXX | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 1140824 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 1140824 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | DSCR does not require REO to be completed. |
| 1125099 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Lender using more assets - XXX acct was not received |
| 1125099 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125099 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Using original credit for qualifying |
| 1125099 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Using original credit for qualifying |
| 1125077 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1125077 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 1125077 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125077 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per note |
| 1125104 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified assets listed on the final 1003 and verified earnest money. |
| 1125104 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125104 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | There is a slight discrepancy with the borrower's calculated income. Using .XXX% of student loan balance. Lender used $XXX. |
| 1125104 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125104 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due a slight variance in the re-calculated income and using .XXX% of student loan balance to calculate the payment. |
| 1125101 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125101 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125101 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125101 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income |
| 1125089 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset evidence |
| 1125089 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 1125089 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125089 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per residual income comp |
| 1125112 | XXXXX | Borrower 1 Origination Equifax | XXX | XXX |  |
| 1125112 | XXXXX | Borrower 1 Origination Experian | XXX | XXX |  |
| 1125112 | XXXXX | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 1125112 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance |
| 1125112 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125112 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125112 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | debts and income as of gap report |
| 1125112 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | debts and income as of the gap report |
| 1125106 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125106 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125106 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1125106 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | minor variance. brokers v gap report |
| 1125100 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | per CD |
| 1125100 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | verified reserves at the time of closing |
| 1125100 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125100 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | lender v broker cbr |
| 1125100 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125100 | XXXXX | Calculated DSCR | XXX | XXX | not a DSCR file |
| 1125100 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | lender v broker cbr |
| 1125094 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Name pulled from Note. |
| 1125094 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent bank statement balances listed on the Final 1003, minus funds required to close. |
| 1125094 | XXXXX | Calculated DSCR | XXX | XXX | DSCR is n/a. |
| 1125094 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded to the nearest dollar. |
| 1125114 | XXXXX | Property Type | XXX | XXX |  |
| 1125114 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based from the balances listed on the Final 1003, from the most recent acct statements. |
| 1125114 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to Tape Data being rounded to the nearest dollar. |
| 1125093 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank statement balances from the accounts listed on the Final 1003. |
| 1125093 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125093 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Auditor used the debts from the origination credit report. |
| 1125093 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-used the debts from the origination credit report. |
| 1125102 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1125102 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125102 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125102 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1125103 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | checking account plus cash out |
| 1125103 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | The 1008 has an error. PITIA is overstated |
| 1125103 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125103 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1125103 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | The 1008 has an error. PITIA is overstated |
| 1125109 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125091 | XXXXX | Originator Doc Type | XXX | XXX |  |
| 1125091 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct balances from the accts listed on the Final 1003. XXX is verified. |
| 1125091 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debts from the origination credit report. |
| 1125091 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125091 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt from the origination credit report. Auditor did not add in debt from XXX that is sold. |
| 1125107 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125107 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculation |
| 1125098 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the verified acct balances from the accts listed on the Final 1003. XXX and gift funds were verified. |
| 1125098 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt from the origination credit report, including the co-signed acct debt listed on the report. |
| 1125098 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125098 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance |
| 1140887 | XXXXX | Number of Units | XXX | XXX | verified 1 unit on appraisal |
| 1140887 | XXXXX | Qualifying CLTV | XXX | XXX | rounding, matches lender |
| 1140887 | XXXXX | Qualifying LTV | XXX | XXX | rounding, matches lender |
| 1131785 | XXXXX | Property Type | XXX | XXX | Appraisal |
| 1131785 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves |
| 1131785 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Added in alimony of $XXX. Per decree alimony is $XXX |
| 1131785 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1131785 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Added in alimony of $XXX. Per decree alimony is $XXX |
| 1131791 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves |
| 1131791 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1131791 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | Used original credit |
| 1131791 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | used original credit |
| 1131772 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1141020 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1141020 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1141020 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1131776 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 1140931 | XXXXX | Interest Rate | XXX | XXX | Per note |
| 1140931 | XXXXX | Prepayment Penalty Flag | XXX | XXX | Per note |
| 1140931 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1140931 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1131747 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are verified from the most current bank statement balance with earnest money verified. |
| 1131747 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to rounding figure during review. |
| 1131747 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to rounding figures during review. |
| 1131747 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to rounding. |
| 1131780 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per allowable assets |
| 1131780 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 1131780 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations and debt from XXX day report. Origination credit report was > XXX days old. |
| 1131770 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Bank Statements |
| 1131770 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | True Data to two decimal places |
| 1131748 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 1131748 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Difference of $XXX cents |
| 1131801 | XXXXX | Borrower 1 Origination Equifax | XXX | XXX | Per CBR |
| 1131801 | XXXXX | Borrower 1 Origination Experian | XXX | XXX | Per CBR |
| 1131801 | XXXXX | Borrower 1 Origination TransUnion | XXX | XXX | Per CBR |
| 1131801 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs and CBR |
| 1131801 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Per Income Docs and CBR |
| 1131767 | XXXXX | Borrower 1 Origination TransUnion | XXX | XXX | Confirmed with credit report |
| 1131767 | XXXXX | Borrower 1 Origination Experian | XXX | XXX | Confirmed with credit report |
| 1131767 | XXXXX | Borrower 1 Origination Equifax | XXX | XXX | Confirmed with credit report |
| 1131767 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | True data is higher due to auditor income being lower than lenders |
| 1131767 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX | True data is higher due to auditor income being lower than lenders |
| 1131767 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | True data is correct as income calculated was lower |
| 1131795 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Lender included $XXX gift funds deposited to escrow among Borrowers' available assets. |
| 1131795 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 1131795 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 1131788 | XXXXX | Originator Doc Type | XXX | XXX | based on documentation in file. |
| 1131788 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent balances from the accts listed on the F1003, minus closing funds. EM has been verified. |
| 1131788 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt calculated from the origination credit report. |
| 1131788 | XXXXX | Underwriting Exception in File? | XXX | XXX |  |
| 1131788 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt paymens from the origination credit report and using the net REO income from the lender. |
| 1141035 | XXXXX | Property Address | XXX | XXX | Per note |
| 1141035 | XXXXX | Originator Doc Type | XXX | XXX | Per approval |
| 1141035 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per tax and insurance docs |
| 1141035 | XXXXX | Qualifying LTV | XXX | XXX | Per sales contract and note |
| 1141035 | XXXXX | Qualifying CLTV | XXX | XXX | Per sales contract and note |
| 1131779 | XXXXX | Originator Doc Type | XXX | XXX | Per Income documents |
| 1131779 | XXXXX | Qualifying FICO | XXX | XXX | Mid score from report dated XX/XX/XXXX, per XXX day report. |
| 1131779 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank balances from the accts listed on the Final 1003. |
| 1131779 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt from the XXX day report and using 5% of the student loan balances. |
| 1131779 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the XXX day report. |
| 1131771 | XXXXX | Originator Doc Type | XXX | XXX | Per income documentation provided |
| 1131771 | XXXXX | Property Type | XXX | XXX |  |
| 1131771 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per Assets provided in file |
| 1131771 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX | Using the debt payments and XXX% of outstanding balance for revolving acct w/no payment per GL. |
| 1131771 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt payments and XXX% of outstanding balance for revolving acct w/no payment per GL. |
| 1131771 | XXXXX | Underwriting Exception in File? | XXX | XXX |  |
| 1131771 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt payments and XXX% of outstanding balance for revolving acct w/no payment per GL. |
| 1131756 | XXXXX | Originator Doc Type | XXX | XXX | Loan file verified XXX years of income |
| 1131756 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on assets verified in loan file minus cash to close per the final CD |
| 1131756 | XXXXX | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 1131756 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 1131756 | XXXXX | Underwriting Exception in File? | XXX | XXX |  |
| 1131756 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 1140934 | XXXXX | Originator Doc Type | XXX | XXX | DSCR matches lender |
| 1140934 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Audit verified final escrow from CD, $XXX |
| 1140934 | XXXXX | Originator DSCR | XXX | XXX | Lender included Flood premium twice into DSCR ratio |
| 1141052 | XXXXX | Originator Doc Type | XXX | XXX | verified PL income |
| 1141052 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | no escrows per settlement statement |
| 1141052 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | lender DTI is XXX% on ULAW and matches audit |
| 1140977 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | borrower vs llc |
| 1140977 | XXXXX | Originator Doc Type | XXX | XXX | verified DSCR |
| 1140977 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | verified $XXX on final HUD |
| 1140976 | XXXXX | Loan Purpose | XXX | XXX | cash out refinance |
| 1140976 | XXXXX | Originator Doc Type | XXX | XXX | verified dscr program with ulaw |

---

## Exhibit 99.5

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.5 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (KBRA)** | **Initial Compliance Grade (Moody's)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (KBRA)** | **Final Compliance Grade (Moody's)** | **Final Compliance Grade (S&P)** |
| 1124215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 5/23/2025 | Acknowledged | 9224621330 | Property | Ineligible Property – Square Footage | XXX < XXX minimum required square feet XXX. Property is ineligible as per guidelines | XX/XX/XXXX: CRSE |  | XX/XX/XXXX: Exception approval received | 5/27/2025 | FICO XXX, XXX, LTV XXX% B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1124241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/9/2025 | Cleared | 9337783969 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XX/XX/XXXX: Uploaded CDA. |  | XX/XX/XXXX: Received | 6/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/9/2025 | Cleared | 9337787352 | Property | Appraisal Missing or Defective | Closing Disclosure and Mortgage in file reflect the subject property as a XXX. Please provide updated appraisal including XXX flag and HOA fees. | XX/XX/XXXX: Uploaded corrected mtg removing the XXX rider and CD with the HOA fees removed on page XXX |  | XX/XX/XXXX: Received | 8/26/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/10/2025 | Cleared | 9347185133 | Property | Hazard Insurance Missing or Defective | Hazard insurance missing dwelling coverage amount. Please provide updated insurance with correct coverage. | XX/XX/XXXX: See pg XXX of policy (thumbnail pg XXX)- multiple properties owned by LLC included. Subj prop is premises #XXX - shows building dwelling coverage. |  | XX/XX/XXXX: Received | 6/24/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/11/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/11/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/12/2025 | Cleared | 9365568323 | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX | XX/XX/XXXX: Hazard |  | XX/XX/XXXX: Received | 6/27/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/16/2025 | Cleared | 9388904856 | Property | Appraisal Review - Missing | Missing appraisal review document for subject property: XXX | XX/XX/XXXX: CDA |  | XX/XX/XXXX: Received | 6/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/18/2025 | Acknowledged | XXX | Credit | Minimum Loan Amount Not Met | Loan amount of $XXX < minimum loan amount of $XXX per guidelines. | XX/XX/XXXX: CRSE in file |  | XX/XX/XXXX: CRSE | 6/18/2025 | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1125095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/19/2025 | Cleared | 9414371012 | Credit | Title Insurance Missing or Defective | Title insurance policy is missing mortgagee clause after lender's name. Please provide updated title insurance with ISAOA/ATIMA verbiage | XX/XX/XXXX: uploaded |  | XX/XX/XXXX: Received | 6/30/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/23/2025 | Cleared | 9437187279 | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity : XXX | XX/XX/XXXX: Uploaded llc docs incl op agreement that confirms borr is 100% owner/only member. |  | XX/XX/XXXX: Received | 6/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/24/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/24/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/25/2025 | Cleared | 9455544765 | Credit | Entity Documentation - Missing or Defective | Missing Corporate Resolution for XXX | XX/XX/XXXX: Borrower(s) Only ONLY THE XXX, Trust and/or POA documents |  | XX/XX/XXXX: Received | 7/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/26/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/26/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/30/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/30/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131789 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/7/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/7/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/8/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/8/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131796 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/9/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/9/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1141544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/10/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/10/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/11/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/11/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/14/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/14/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/15/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131766 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 7/18/2025 | Cleared | 9625360554 | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing loan number and expiration date. Please provide updated hazard policy with loan number and expiration date | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 7/29/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1144386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 8/5/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 8/5/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1095281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/14/2025 | Cleared | 8702978838 | Credit | Credit Report Missing or Defective | Borrowers have only 1 credit score reporting, which is ineligible | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 3/19/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/20/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 3/20/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/28/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 3/28/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/31/2025 | Cleared | 8824813286 | Credit | Asset Documentation Missing or Defective | Missing operating agreement for "XXX" in order to prove access to funds for XXX account #XXX. | XX/XX/XXXX: Hi, the Funds are not needed for cash to close. The Bwr has more than enough funds from other (2) accts for closing/reserves. Also I have uploaded Web Info to show Bwr is the Owner of XXX ie XXX. Pls advise, thanks |  | XX/XX/XXXX: Received CPA letter to verify ownership | 4/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 4/7/2025 | Cleared | 8881049052 | Property | Appraisal Review - Missing | Missing Appraisal Review for property located at: XXX | XX/XX/XXXX: AVM |  | XX/XX/XXXX: Received | 4/8/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 5/28/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 5/28/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/2/2025 | Cleared | 9285505098 | Credit | Hazard Insurance Missing or Defective | Effective date of insurance is after closing date. Hazard insurance reflects XX/XX/XXXX and note reflects XX/XX/XXXX | XX/XX/XXXX: attestation |  | XX/XX/XXXX: Received | 6/9/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/9/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/9/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 6/9/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 6/9/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1094844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Guidelines require a CPA letter to show proof of ownership percentage. Please provide a CPA letter confirming percentage of ownership for XXX and XXX | Document Uploaded. Uploaded CPA letter confirming borr is XXX% owner of XXX and SOS confirms borr is the only officer and XXX% owner of XXX | 4/22/2025 | Borrower 1 CPA Letter Provided. Copy of CPA letter and Business Search were provided. Sufficient documentation was provided to show percentage of ownership. | 4/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1094844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/3/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing reverification of XXX and XXX dated within XXX days of closing. | Document Uploaded. Uploaded SOS for both businesses. | 3/7/2025 | Income and Employment Meet Guidelines | 4/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1094844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete First page is missing from the 1003. Please provide the first page of the final 1003 | Document Uploaded. Uploaded page 1 of final 1003. | 3/7/2025 | The Final 1003 is Present | 3/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1094844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 3/5/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1094844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 3/5/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1112269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/12/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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). TILA cure required. Refund in the amount of $XXX, cure package requires PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The tolerance is due to increased Mortgage Recording fee on the CD issued XX/XX/XXXX | Document Uploaded. | 3/18/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 3/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1112269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 3/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1112269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 3/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1095266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for credit report fee. | Document Uploaded. Uploaded cure docs. | 4/1/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 4/1/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1095266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing a VVOE completed within XXX days of the closing date. The borrower is 1099/Self-Employed Real Estate Agent through XXX. The file contains a recent verification that the business is active, but the file is missing proof that the borrower is still working with the business. Provide proof of employment with either a current license verification or a VVOE from XXX to confirm that the borrower is still a self employed agent through them. | Document Uploaded. Uploaded license lookup and shows linked to XXX and also borr listed on company website. | 3/28/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 3/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1095266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 3/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1095275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/18/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b cure required:<br> Refund in the amount of $XXX<br> The zero tolerance violation in the amount of $XXX is due to an increase in Appraisal Fee and Credit Report fee from the LE to CD. The COC issued on XX/XX/XXXX does not provide a reason for the fee increases; Need evidence of a valid COC, PCCD or proof of refund check to the borrower in the amount of $XXX.<br> 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 $XXX.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). | Document Uploaded. | 3/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 3/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1095275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 3/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1095275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 3/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 3/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1140850 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 3/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140850 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 3/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140850 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 3/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1115378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 4/3/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | The verified assets in file do not provide XXX months PITIA reserves for the subject property after closing. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Hey. Can you please send me your calculations? thanks | 4/8/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX | 4/8/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1115378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 4/3/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Both the buyer and the seller are real estate agents who collected commissions on this transaction. They buyer/borrower shows that she operates as an LLC however her license is hanging with XXX. XXX is both the seller and her own agent. Each party received $XXX in commissions. | Document Uploaded. | 4/8/2025 | Lender Exception for Non Arms Length Transaction approved by XXX on XX/XX/XXXX | 4/8/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1115378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 4/4/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 4/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1115378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 4/3/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 4/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/8/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 4/8/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/8/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 4/8/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/7/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 4/8/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/15/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report that reflects the Title/Escrow Company, Appraisal Company, and Appraiser as verified interested parties. | Client provided attached document in response. | 5/30/2025 | All Interested Parties Checked against Exclusionary Lists. An updated fraud report was provided showing all parties were reviewed.; Document Uploaded. | 6/2/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 4/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 4/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140998 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/17/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file does not contain documentation to verify the rental history of XXX. Lender to provide rental payment history for XXX. Guideline section XXX Determining Mortgage/Rental Rating | Uploading bank statement showing 2 payments totaling $XXX made. | 5/20/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 5/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140998 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/17/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraisal company and appraiser as verified interested parties. | Client provided Fraud report attached. | 5/26/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 5/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140998 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 4/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140998 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 4/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1141000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/18/2025 | Resolved | FCOM1224 | Compliance | XXX Rider is Missing | Missing XXX Rider. XXX Rider is Missing | Client provided attached document in response. | 4/22/2025 | ; XXX rider provided.; Document Uploaded. | 5/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1141000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/18/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing fully executed Final 1003. Missing signature and date for both borrowers. |  |  | The Final 1003 is Present; Document Uploaded. Closing package provided did not reflect the final signed 1003. Please provide the fully executed/signed final 1003 for both Borrowers. Thank you. | 5/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1141000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/18/2025 | Resolved | FCOM1225 | Compliance | XXX Rider is Missing | Missing XXX Rider. XXX Rider is Missing | Client provided attached document in response. | 4/22/2025 | The XXX Rider is Present or Not Applicable (Occupancy is XXX); ; Document Uploaded. | 5/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1141000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 4/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 4/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. The XXX #XXX shows a $XXX deposit from loan #XXX on XX/XX/XXXX. A Note dated XX/XX/XXXX shows an unsecured loan with XXX #XXX for $XXX. Any unsecured loan is considered unacceptable funds for closing. Per GL's XXX | XXX Response: This is secured. Uploading Note and XXX assets. Page XXX of Note reflects that the collateral on this is the borrower's assets with XXX and there is a XXX Resolution to borrower/grant collateral. | 6/3/2025 | ; Loan was secured against a financial asset that was documented in the loan file. Condition rescinded.; Document Uploaded. | 6/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The HUD/Settlement Statement shows purchase of XXX. Provide the principal, interest, tax, insurance and homeowners association payments to be included in the DTI. Per GL's XXX | XXX Response: XXX is a boat slip, not another property. This is evidenced by the contract as legal description both show XXX | 6/3/2025 | ; A-12 is the boat slip attached to the property and is part of the purchase of the subject property as documented in the loan file. Condition rescinded.; Document Uploaded. | 6/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title Commitment and the HUD/Settlement Statement show the property address: XXX. The contact and Note address is XXX. Provide separate title and HUD/settlement statement's for each property. | XXX Response: XXX is a boat slip, not another property. This is evidenced by the contract as legal description both show XXX | 6/3/2025 | ; A-12 is the boat slip attached to the property and is part of the purchase of the subject property as documented in the loan file. Condition rescinded.; Document Uploaded. | 6/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Wires for $XXX and $XXX for earnest money deposits are in the file. Provide a certified escrow deposit receipt for the wired funds. Per GL's XXX | XXX Response: Uploading deposit receipts for $XXX and $XXX and uploading updated ULAW reflecting $XXX verified escrow deposits receipts | 6/3/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. ; Document Uploaded. | 6/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide a Fraud report with all high alerts clear, OFAC and Exclusionary lists checked. | XXX Response: Uploading full DV report with all high alerts clear, OFAC and Exclusionary lists checked | 6/3/2025 | Third Party Fraud Report is provided; Document Uploaded. | 6/4/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 4/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 4/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 5/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 5/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 5/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 5/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 5/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 5/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 5/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Per the final 1003, the property located at XXX an HOA payment of $XXX. Missing verification of this payment. | Document Uploaded. | 5/20/2025 | Received evidence of the $XXX per month in HOA dues. Exception Resolved. | 5/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 5/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 5/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 5/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 5/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/20/2025 | Resolved | FCOM1224 | Compliance | XXX Rider is Missing | XXX Rider is Missing Missing XXX Rider. | Client provided attached document in response. | 7/7/2025 | The XXX Rider is Present; Document Uploaded. | 7/8/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 1140872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/20/2025 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements $XXX cash-out exceeds the $XXX max for an LTV exceeding XXX%. Ok, per XXX, for cash-out exceeding program maximum; however, missing minimum of two compensating factors prior to DD Firm acknowledging. |  |  | Lender Exception for more than $XXX cash out approved by XXX.; Document Uploaded. | 6/27/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 1140872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 5/20/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 1140853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 5/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 5/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 5/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 5/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 5/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 5/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The insurer did not provide a Replacement Cost Estimate for the subject property. The appraisers estimated the replacement cost of the dwelling to be between XXX and XXX | Document Uploaded. Pls see LOX ie message from HOI Company; Document Uploaded. | 6/3/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Data reflected in the RCE provided was approximately XXX months old at time of Note date. Please provide a current RCE. Thank you. | 6/3/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Maximum cash out is $XXX. The lender granted the guideline exception, citing the XXX FICO, XXX months of reserves, DTI of XXX%, monthly residual income of $XXX and XXX% LTV as the compensating factors | Hi if you have the Exception this condition is not valid as you stated below The lender granted the guideline exception, citing the XXX FICO, XXX months of reserves, DTI of XXX%, monthly residual income of $XXX and XXX% LTV as the compensating factors | 5/30/2025 | Lender Exception for cash out of $XXX vs. max $XXX approved by XXX on XX/XX/XXXX | 6/2/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Two full appraisals in file. TPV not required | Pls know that this loan had 2 Appraisals by 2 different Appraisals therefore no addt'l valuation is req'd. Pls advise if you need the 2nd Appraisal and/or let me know which Appraiser you have if you need the other? Thanks | 5/30/2025 |  |  | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 5/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 5/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 5/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 5/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 5/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 5/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 5/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 5/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 5/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 5/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 5/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 5/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 5/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 5/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Rescinded | FCRE4678 | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% above guidelines requirement. Exception in file to allow as the current primary is owned free and clear | Document Uploaded. The exception was removed but the updated CRSE didn't make it into the file in time. Please see the CRSE uploaded with no exception listed. Departure residence is owned free and clear so payment shock is waived. | 6/2/2025 | Payment shock is not considered for Borrowers with a home that is free and clear per guidelines. Condition rescinded. | 6/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/2/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/2/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/3/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/3/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/2/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/3/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/10/2025 | Rescinded | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements Needing 2nd month statement for XXX account ending in XXX - per guidelines funds for closing and reserves must be sourced or seasoned for no less than XXX days | This loan was locked on XX/XX/XXXX therefore would follow the matrix for XXX dated XX/XX/XXXX (the ITIN section at the bottom of the page). The matrix does not indicate assets must be verified for XXX days. | 6/16/2025 |  |  | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/10/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX | Document Uploaded. Uploaded eConsent. | 6/16/2025 | Evidence of eConsent is provided. | 6/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/5/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML Compliant | 6/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1140885 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/5/2025 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Lender to provide 3rd party verification for Borrower's self employed business. | XXX does not require 3rd party verification for Borrower's S/E business for full doc loans. | 6/24/2025 | ; ; Borrower 1 3rd Party VOE Prior to Close Missing Lender to provide 3rd party verification for Borrower's self employed business. | 6/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140885 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/4/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/5/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140885 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/5/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/5/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/5/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/6/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/5/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/6/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/5/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/6/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/5/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/6/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/6/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/6/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/11/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Missing master policy - HOI uploaded is HO6 policy for subject property | Document Uploaded. ; i'm confused if what was upld is a HO6 policy what is needed? thanks | 7/7/2025 | HO-6 Master Insurance Policy is fully present; We apologize for the confusion. The subject is an Attached XXX, therefore, we are missing the HOA Master Policy since the insurance in file is only HO6. Thanks. | 7/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/11/2025 | Rescinded | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing CPA letter | Hey. this is a purchase of a primary so it is not required | 6/12/2025 | Percentage of Ownership in file on page XXX. Condition rescinded. | 6/13/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 6/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). | Document Uploaded. | 6/16/2025 | PCCD provided, fee moved to section H. Exception resolved; PCCD provided, fee moved to section H. Exception resolved; TILA 130B Cure Required - <br> Refund in the amount of $XXX for the added HOA Dues on the Final CD dated XX/XX/XXXX, Cure Package requires PCCD, LOE, copy of refund check, proof of delivery or a Valid COC.<br> The coc in file did not provide a valid reason as to why the fee was added on | 6/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1140821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 6/9/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 6/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1140821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 6/9/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 6/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1140822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 6/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 6/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 6/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML Compliant | 6/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. | Document Uploaded. | 6/23/2025 | Borrower Identification Document provided. | 6/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | 6/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | 6/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/11/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing XX/XX/XXXX bank statement. Income is subject to re-calculation upon receipt of missing bank statement. | Document Uploaded. | 6/13/2025 | Borrower 1 Business Bank Statements Provided; Documentation provided is sufficient. Exception resolved. | 7/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 6/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 6/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124184 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124184 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124184 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/13/2025 | Rescinded | FCRE1104 | Credit | Maturity Date is not the first of the month | Maturity Date is not the first day of the month maturity date XX/XX/XXXX matches with the note | Document Uploaded. | 6/20/2025 | Condition automatically triggered when maturity date was set. Invalid exception. Condition rescinded. | 6/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Rescinded | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing source of earnest money | Hey. can you please advise what is need to clear this condition? please and thank you | 6/23/2025 | EM documented on pages XXX and XXX. Condition rescinded. | 6/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Rescinded | FPRO0951 | Property | XXX Approval Missing | XXX Approval Missing. Missing project approval | Document Uploaded. | 6/23/2025 |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 6/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 6/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 6/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 6/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 6/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 6/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE 10day prior to closing | Document Uploaded. | 6/24/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 7/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Resolved | FCRE1295 | Credit | Income 4 Months Income Verified is Missing | Income 4 Months Income Verified is Missing Missing proof of income for XXX and proof of ownership. Explanations for large deposits going into account but missing source. Wire on XX/XX/XXXX for $XXX and XX/XX/XXXX $XXX | Document Uploaded. ; Hi, there was no income used for XXX why is proof of income for XXX and proof of ownership needed? Thanks | 6/30/2025 | Income XXX Months Income Verified is Present Or Not Applicable; We apologize for the confusion on the verbiage used in this condition. It appears this exception was regarding 2 large deposits into the personal account with XXX #XXX that was used to qualify vs. income specifically from XXX. Please provide documentation to source the 2 large deposits of $XXX on XX/XX/XXXX and $XXX on XXX into XXX #XXX that was used to determine income, as well as, used for assets. Thank you. | 7/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Rescinded | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing CPA letter for expense ratio | Document Uploaded. | 6/24/2025 | CPA letter in file on page XXX. Condition rescinded.; Borrower 1 CPA Letter Missing | 6/25/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE XXX days prior to closing | Document Uploaded. | 6/24/2025 | Reverification from employer via email on page XXX. | 6/25/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Acknowledged | FCRE4555 | Credit | Purchase Contract is Expired | The Purchase Contract expired XX/XX/XXXX. Provide a Purchase Contract Addendum extending the contract to XX/XX/XXXX, the closing date. | Document Uploaded. | 8/19/2025 | Investor granted exception, since loan closed successfully and all parties executed the closing documents. ; Thank you for providing an amendment, however, it is not signed by the Seller. Please provide the amendment extending the closing date to XX/XX/XXXX that is also signed by the Seller. Thank you. | 9/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1125104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1125104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1125101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Rescinded | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The loan was approved with an CLTV of XXX%. Per the Lender Guideline dated XX/XX/XXXX under the XXX program the maximum CLTV is XXX%. | Hi are you reviewing the XXX guides dated XX/XX/XXXX? XXX has not updated their guidelines since XX/XX/XXXX, thanks | 6/25/2025 | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Incorrect matrix reviewed. | 6/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Rescinded | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The loan was approved with an HLTV of XXX%. Per the Lender Guideline dated XX/XX/XXXX under the XXX program the maximum HLTV is XXX%. | Hi are you reviewing the XXX guides dated XX/XX/XXXX? XXX has not updated their guidelines since XX/XX/XXXX, thanks | 6/25/2025 | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Incorrect matrix reviewed. | 6/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Rescinded | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The loan was approved with an LTV of XXX%. Per the Lender Guideline dated XX/XX/XXXX under the XXX program the maximum LTV is XXX%. | Hi are you reviewing the XXX guides dated XX/XX/XXXX? XXX has not updated their guidelines since XX/XX/XXXX, thanks | 6/25/2025 | Audited LTV of XXX% exceeds Guideline LTV of XXX% Incorrect matrix reviewed. | 6/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML Compliant | 6/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Information Only | 6/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/18/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing The Initial Escrow Account disclosure is missing. | Document Uploaded. Uploaded escr discl. | 6/23/2025 | Initial Escrow Account Disclosure is Resolved | 6/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1125089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | 6/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1125089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Information Only | 6/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1125112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCRE5778 | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). A gap report is in file. House was under construction at the time of the initial application. | Document Uploaded. Uploaded XXX credit report used for qualifying. | 6/24/2025 | Borrower 1 Credit Report is not Expired. | 6/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | The taxes and insurance costs for the primary residence have not been verified. HOA and tax bills are required for that property. | Document Uploaded. Uploaded tax and ins and LOX stating no HOA. Also included 1008, 1003, and CRSE with tax/ins debts included in DTI for primary. | 6/24/2025 |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | 6/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | 6/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum<br>Original LTV is Below the Guideline Maximum<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/20/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 XXX 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase in title fees from the Initial LE. There is no SPL in file showing Services you can shop for, the only document in file only shows Services you cannot shop for. Providing SPL may clear exception. | Document Uploaded. Uploaded all cure docs.; Can you please tell me what line on the final CD has the Lender's Title insurance of $XXX? I see the Title insurance of $XXX but don't see 2 charges for this fee.; If the cure still applies, can you please provide the calculation for the $XXX cure? ; Document Uploaded. This is the only disclosure in the file regarding services. | 7/2/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 XXX 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).; Courier $XXX, Title - Settlement fee $XXX, Digital Storage fee $XXX Title - E Recording $XXX Title - Title insurance $XXX Title Survey $XXX Recording fee $XXX. Total $XXX Total allowed without a cure $XXX Cure required $XXX. ; Without a valid SSPL showing the borrower at least 1 provider for the services they can shop for all fees in section C are included in the XXX% testing. Fees listed on LE that were also charged on the CD paid by the borrower:<br> Calculation of XXX% tolerance violation<br>Title – Lenders Title Insurance $XXX<br>Title - Survey $XXX<br>Recording fees $XXX<br>Total: $XXX+ XXX% tolerance ($XXX) = $XXX<br>Fees charged on the CD included in XXX% tolerance:<br>Title Lenders title insurance $XXX<br>Title - Courier $XXX<br>Title - Settlement fee $XXX<br>Title - Digital Storage fee $XXX<br>Title - E Recording $XXX<br>Title - Title insurance $XXX<br>Title Survey $XXX<br> Recording fee $XXX <br>Total $XXX<br>Total allowed without a cure $XXX<br>Cure required $XXX | 7/2/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/20/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing FACTA from the file | Document Uploaded. Uploaded cred score discl. | 6/24/2025 | FACTA Credit Score Disclosure is provided. | 6/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Information Only | 6/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | 6/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1141019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide the HOA Information Letter – verifying; XXX project is not currently involved in any litigation; total number of units in the project; total number of phases that are not complete; percent of the units sold and conveyed to the unit owners; and percent of the units owner occupied, and monthly association fee. GL's 10.2 | Client provided the attached document in response. | 8/15/2025 | HOA Questionnaire Provided; Document Uploaded. | 8/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - <br>Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1141019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - <br>Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1141019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - <br>Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 6/23/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Guidelines require TPV if UCDP is not in file. | Document Uploaded. field review | 6/24/2025 | Field review in file on page XXX. Condition rescinded. | 6/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 6/23/2025 | Rescinded | FCRE1104 | Credit | Maturity Date is not the first of the month | Maturity Date is not the first day of the month system error | my apologies which document? please and thank ou | 6/24/2025 | Data Entry error. Entry corrected. Condition rescinded. | 6/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 6/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/23/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within 10 days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | 6/25/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Invalid-the file contains an AVM w/a Confidence score of XXX%, FSD XXX. | Document Uploaded. | 6/25/2025 | Third party valuation product provided within tolerance. | 7/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, letter of explanation, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the increase of the appraisal fee from $XXX on initial LE to $XXX on LE dated XX/XX/XXXX without valid COC. Rush fee of $XXX listed on appraisal invoice dated XX/XX/XXXX; however, payment including rush fee made by Borrower on XX/XX/XXXX which is more than XXX business days prior to LE dated XX/XX/XXXX | Document Uploaded. ; Lender credit given | 7/1/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; $XXX cure on the final CD is insufficent to cover the full violation of $XXX. Please provide a cure package for the remaing $XXX | 7/1/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1125093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present The Title supplement dated XX/XX/XXXX is in the file. Provide the full Title report with all schedules and XXX month chain of Title. |  |  | Title Document is fully Present; Document Uploaded. ; Document Uploaded. | 7/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1141016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The subject is a high rise XXX. Provide the HOA Questionnaire to verify; XXX project is not currently involved in any litigation; total number of units in the project; total number of phases that are not complete; percent of the units sold and conveyed to the unit owners; percent of the units owner occupied. Percent of units owned by any one entity or individual and if and when the project was conveyed to the unit owners. The monthly HOA fee. GL's 10.2 |  |  | HOA Questionnaire Provided; Document Uploaded. | 7/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1141016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The HUD's from sale of XXX are part of XXX exchange. Provide new investment property address's, with mortgage payment, tax, insurance and HOA documented for the DTI. | Borrower not claiming to have purchased any replacement XXX properties as of yet. | 7/16/2025 | XXX response - Borrower not claiming to have purchased any replacement XXX properties as of yet.; Document Uploaded. | 7/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1141016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML Compliant | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | HPML Compliant | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Rescinded | FVAL5385 | Property | Property has been listed for sale in the past 6 months | Per AO guidelines property can not be listed within XXX months of the application date. Application date is XX/XX/XXXX and the listing expired XX/XX/XXXX | Document Uploaded. Pls note; its actually XXX mths and XXX days...which is over XXX mths | 7/1/2025 | Subject listing expired XXX days prior to application (XX/XX/XXXX expired-XX/XX/XXXX app date) and the lower of the appraised value vs. list price was used to qualify as required per guidelines. Condition rescinded. | 7/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/26/2025 | Original LTV is Below the Guideline Maximum - <br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/26/2025 | Original LTV is Below the Guideline Maximum - <br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects that XXX is a XXX that is being retained. The file contains an LOE that the home will be sold after the subject loan closing. The XXX in the file reflects the home was sold XX/XX/XXXX. Provide a corrected and signed Final 1003 that reflects the property was sold. | Document Uploaded. Fraud guard provided - shows borrowers still own the property. | 7/1/2025 | The Final 1003 is Present; Received fraud report that reflects the property is currently owned by the borrowers | 7/2/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1125107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FVAL5385 | Property | Property has been listed for sale in the past 6 months | Appraisal states property was list as recent as XX/XX/XXXX. The application date is XX/XX/XXXX. Per guidelines the property cannot be listed for sale within XXX months of the application date | This meets the TPR guidelines dated XX/XX/XXXX - Section XXX. Property ok to have been listed for sale as long as it was taken off the market prior to the application date. The appraiser states the listing expired on XX/XX/XXXX with a last price of $XXX. The appraised value of $XXX is less than the last list price. The application date wasn't until XX/XX/XXXX | 7/2/2025 | Per appraisal, subject was listed for sale XX/XX/XXXX but listing was removed XX/XX/XXXX. This meets GLs as listing was removed prior to application date and lower of list price or appraised value was used. Exception resolved. | 7/7/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1125107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe 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. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX | Document Uploaded. Uploaded the initial CD and proof of when it was viewed. | 7/2/2025 | initial CD provided; Exception resolved; initial CD provided; Exception resolved | 7/2/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1125107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130 required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or Initial CD issued XX/XX/XXXX. The Lender credit decreased on the CD issued XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Uploaded CD dated XX/XX/XXXX with COC. | 7/2/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 7/2/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1125107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1125098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FCRE4555 | Credit | Purchase Contract is Expired | The Purchase Contract Extension reflects a closing date of XX/XX/XXXX. The subject loan closed XX/XX/XXXX. Provide a Purchase Contract Extension extending the contract date to XX/XX/XXXX | Document Uploaded. | 7/2/2025 | Contract addendum provided, exception resolved. | 7/7/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1125098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/25/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Missing FACTA -- Copy of FACTA to cure | Document Uploaded. | 7/1/2025 | FACTA Credit Score Disclosure is provided. | 7/1/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1125098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1140887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Rescinded | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Per guidelines XXX statements XX/XX/XXXX min FICO is XXX for XXX% LTV | Document Uploaded. | 7/1/2025 | Primary Wage Earner score is XXX. Condition rescinded. | 7/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is XXX. Smaller projects (less than XXX units) require XXX% of the total units in the project to be sold and conveyed to the unit owners. The appraisal shows XXX | Client provided attached document in response. | 7/15/2025 | Lender exception approval provided - Ok per XXX for XXX completed. Comp factors XXX FICO, XXX% DTI, XXX% LTV, S/E XXX yrs.; Document Uploaded. | 7/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1141014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements The maximum cash out for XXX% LTV is $XXX. A Lender exception is in the file. Compensating factors are low DTI and high FICO score. |  |  | A Lender exception is in the file. Compensating factors are low DTI and high FICO score. | 6/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1141014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1141014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/27/2025 | Resolved | FCRE1165 | Credit | Flood Insurance Policy Partially Provided | Flood Insurance Policy Partially Provided Missing flood insurance - Application for flood insurance is in the file but not the flood declaration page | Document Uploaded. | 7/8/2025 | Flood Insurance Policy is fully present | 7/9/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131772 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 6/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131772 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 6/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131772 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 6/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 6/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 6/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131776 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/1/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 7/2/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131776 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/1/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/2/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131776 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/1/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 7/2/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: A wire is in file verifying payment of $XXX for the XXX Deposit; however, the receipt is not in file. Lender to provide a copy of the XXX Deposit receipt for $XXX | Client provided attacvhed document in response. | 7/15/2025 | EMD receipt received.; Document Uploaded. | 7/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/2/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140931 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/2/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 7/7/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/7/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 7/7/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Borrower property ownership records online indicate possible undisclosed real estate and/or mortgage debt. Provide property reports for; XXX. Mortgage statements for each property with XXX is required. GL XXX | Client provided attached document in response. | 7/15/2025 | All Fraud Report Alerts have been cleared or None Exist; Document Uploaded. | 7/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Borrower has stable job time - Resolved<br>Qualifying DTI below max allowed. - Resolved A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The Selling Agent/Buyer Agent is the borrowers spouse. Provide proof of non-default for the existing mortgage with XXX XX/XX/XXXX. GL XXX | Client provided attached documentation in response. | 7/22/2025 | Lender exception approval provided - Ok per XXX to waive demand/proof of non-default and ok per XXX to use the tax bill in the signors name for auth to sell, comp factors, XXX FICO, XXX% DTI, no default activity showing on subject in DV report, subject in C3 condition with very recent updating.; Document Uploaded. | 7/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Borrower has stable job time - Resolved<br>Qualifying DTI below max allowed. - Resolved A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Acknowledged | FCRE1254 | Credit | Property Title Issue | Property Title Issue The seller is an entity. Provide evidence individual signing as seller on the contract is an authorized signer for selling entity. | Client provided attached document in response. | 7/15/2025 | Lender exception approval provided - Ok per XXX to waive demand and ok per XXX to use the tax bill in the signors name for auth to sell, comp factors, XXX FICO, XXX% DTI, no default activity showing on subject in DV report, subject in C3 condition with very recent updating.; Document Uploaded. ; Document Uploaded. | 7/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Borrower has stable job time - Resolved<br>Qualifying DTI below max allowed. - Resolved A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/3/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Borrower has stable job time - Resolved<br>Qualifying DTI below max allowed. - Resolved A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/3/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Borrower has stable job time - Resolved<br>Qualifying DTI below max allowed. - Resolved A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140901 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check XXX with Exclusionary lists. | XXX uploaded document | 7/14/2025 | All Interested Parties Checked against Exclusionary Lists | 7/18/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140901 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A $XXX gift letter is in the file. The funds wired to closing came from the borrowers XXX account. Provide evidence that the gift funds have been transferred from the donors account to the borrower (matching account on the gift letter). Source and seasoning of funds is required for XXX% LTV. GL XXX | Client provided attached document in response. | 7/17/2025 | Lender exception approval provided - Ok per XXX for missing transfer of gift funds. Comp factors XXX FICO, XXX DSCR, subject XXX with very recent remodeling.; Document Uploaded. | 7/18/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140901 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/2/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/3/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140901 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/3/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/3/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131780 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/7/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XX/XX/XXXX without a valid reason (invoice issued XX/XX/XXXX reflects the borrower paid full balance XX/XX/XXXX). 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 $XXX.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). | Document Uploaded. | 7/16/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B | 7/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1131780 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/7/2025 | Rescinded | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide proof the hazard insurance was active at time of funding on XX/XX/XXXX. The effective date of the insurance policy in the file is XX/XX/XXXX | Document Uploaded. Pls note that this is a Refi and attached is the Prev Policy/Current | 7/11/2025 | Previous policy in effect at time of closing was in file on page XXX. Condition rescinded. | 7/14/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1131780 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/7/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/9/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1131770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/8/2025 | Rescinded | FPRO0951 | Property | XXX Approval Missing | XXX Approval Missing. XXX approval is Missing. All XXX transactions must have a valid project approval. | Document Uploaded. | 7/11/2025 | Separate XXX Approval not required. XXX Questionnaire in file. Condition rescinded. | 7/14/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1131770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/8/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A gift of $XXX was sent directly to closing. Provide evidence of wire transfer or cancelled check from the donor, XXX #XXX, to the closing agent. | Document Uploaded. | 7/11/2025 | Asset Qualification Meets Guideline Requirements | 7/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1131770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/3/2025 | Rescinded | finding-3800 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds 8 percent of the total loan amount of $XXX | Hi pls upload the Compliance Worksheet so that it can be sent to our Compliance Dept. Also do you think the Refund amt is? | 7/11/2025 | Loan originated as non QM; Exception resolved | 7/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1131770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/3/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 7/9/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1131748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/9/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX FICO score of XXX is less than the required guideline minimum of XXX. An exception was granted for the below minimum FICO score requirement. | Document Uploaded. | 7/15/2025 | Exception granted; Lender exception for XXX FICO approved by investor on XX/XX/XXXX | 7/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/9/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The bank statement program is ineligible with a FICO score of XXX. Qualifying Fico score of XXX is below the guideline minimum requirement of XXX. An exception was granted for utilizing the bank statement program. | Document Uploaded. | 7/15/2025 | Exception granted; Lender exception for bank statement program with a XXX FICO approved by investor on XX/XX/XXXX | 7/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/8/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  |  | HPML Compliant | 7/9/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/10/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Document Uploaded. |  |  | The final application reflects rental income of $XXX is received for XXX; however, documentation to verify this rental income is not in file. Lender to provide the most recent year personal tax return that includes Schedule E.; Lender provided lease agreement, mortgage statement, and XXX months bank statements to confirm receipt of rental income as required per matrix. Condition cleared. | 7/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/9/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1131801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | A CPA letter is in the file. Provide verification of the license from municipal, state or federal licensing boards or proof of their business existence. | A CPA letter is in the file. Provide verification of the license from municipal, state or federal licensing boards or proof of their business existence XX/XX/XXXX - Uploading CPA validation | 7/14/2025 | CPA license status provided. | 7/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a $XXX loan amount is XXX%. | The maximum HLTV for a $XXX loan amount is XXX%. XX/XX/XXXX - Uploading updated ULAW with comp factors in CLTV finding. | 7/14/2025 | Lender exception approval provided - Ok per XXX for XXX% LTV. Comp factors XXX FICO, XXX% DTI, XXX mos reserves, no negative credit whatsoever. | 7/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a $XXX loan amount is XXX%. | The maximum LTV for a $XXX loan amount is XXX%. XX/XX/XXXX - Uploading updated ULAW with comp factors in CLTV. finding. | 7/14/2025 | Lender exception approval provided - Ok per XXX for XXX% LTV. Comp factors XXX FICO, XXX% DTI, XXX mos reserves, no negative credit whatsoever. | 7/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a $XXX loan amount is XXX%. | The maximum CLTV for a $XXX loan amount is XXX%. XX/XX/XXXX - Uploading updated ULAW with comp factors | 7/14/2025 | Lender exception approval provided - Ok per XXX for XXX% LTV. Comp factors XXX FICO, XXX% DTI, XXX mos reserves, no negative credit whatsoever. | 7/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/9/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX.<br>Borrower has stable job time - Resolving per XXX. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1131767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 7/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1131795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/10/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b cure required:<br> Refund in the amount of $XXX<br> The lender credit decreased from $XXX on the initial CD to $XXX on the final CD issued XX/XX/XXXX. Cure package requires a PCCD with LOE, copy of refund and proof of delivery. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. The reason for the decrease is due to the Brokers compensation decreased | 7/18/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Please provide clarification on reason for lender credit decrease. COC indicates broker compensation decrease however that does not provide enough information for the reason the lender credits decreased | 7/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1131795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/11/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent VOE for Borrower 2 is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | 7/14/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 7/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1131795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 7/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 1131788 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/17/2025 | Resolved | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 XXX Transcripts Missing Per Lender Guidelines the lender mut request and review the documentation received from the executed 4506-T to confirm consistency with the tax return. Provide a copy of the XXX Tax Transcipts. | Document Uploaded. Uploaded the record of account transcript to verify XXX tax return used to document rental income. | 7/31/2025 | Borrower 1 XXX Transcripts Provided | 8/1/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1131788 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1131788 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/17/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Payment Shock exceeds XXX%. CRSE approved exception to guidelines. Exception type-Housing History, Guideline-Occupancy, Maximum Payment Shock: XXX%-XXX. Actual Shock; XXX, Rationale-Rent Free allowed XXX credit score and XXX% LTV, Granted by the Investor on XX/XX/XXXX |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 1140902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/11/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The VOR for the primary residence shows rent in arrears. Landlord to provide the amount of rent in arrears and an explanation for XXX days late if rent is in arrears. GL XXX | GL XXX does not require rent in arrears to be documented. Exception made per XXX to accept the VOR provided. Documentation of arrears not required. VOR affirms XXX. Uploaded ULAW with compensating factors. | 7/16/2025 | Exception made per XXX to accept the VOR provided. Documentation of arrears not required. VOR affirms XXX. Compensating factors Low LTV, High FICO, large reserves. | 7/17/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/14/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/14/2025 | Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original LTV is Below the Guideline Maximum - Resolving per XXX. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1141035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/14/2025 | Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 7/14/2025 | Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/14/2025 | Original LTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX.<br>Original CLTV is Below the Guideline Maximum - Resolving per XXX.<br>Qualifying DTI below max allowed. - Resolving per XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1131779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/22/2025 | Resolved | FCRE4555 | Credit | Purchase Contract is Expired | The Purchase Contract in file reflects the subject transaction will close XX/XX/XXXX. The loan closed on XX/XX/XXXX. The Lender requires a Purchase Contract Addendum extending the contract to the closing date XX/XX/XXXX. Provide a Purchase Contract Addendum extending the contract to XX/XX/XXXX | Document Uploaded. Uploaded extension. | 8/5/2025 | Purchase addendum extending closing to XX/XX/XXXX received. Condition cleared. | 8/7/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1131779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/22/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The earliest credit report in the file is dated XX/XX/XXXX which only provides 1 credit score and does not meet the Lender requirement. The Lender obtained a new credit report dated XX/XX/XXXX, the scores of this credit were used to qualify the borrower per the Credit Risk and Exception Approval. The credit report dated XX/XX/XXXX is required to meet the client requirement that the origination credit report is used to qualify the loan. Provide a copy of the credit report dated XX/XX/XXXX | Document Uploaded. XX/XX/XXXX CR provided | 7/24/2025 | Borrower 1 Credit Report is not missing. | 7/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1131779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/22/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | FACTA provided | 7/24/2025 | FACTA Credit Score Disclosure is provided. | 7/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1131779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1131771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/21/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a Residential pay history of XXX. The file documents XXX-months rental pay history. The pay history provided does not meet the lender's XXX month history requirement. Provide a complete XXX month rental payment history. | Document Uploaded. Uploaded CRSE - file only has XXX housing/rent history. | 8/5/2025 | Lender exception to allow XXX month housing history vs. XXX months approved by investor on XX/XX/XXXX | 8/7/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 7/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 7/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1131756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/29/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit was unable to locate documentation of HOA dues (if applicable) for the borrower's primary residence, or an attestation confirming that no HOA dues are required. | Document Uploaded. | 7/30/2025 | Documentation received confirming no HOA dues on Borrower's primary residence. Condition cleared. | 7/31/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1131756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/29/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: According to the lender's matrix dated XX/XX/XXXX, Non-Warrantable XXX are not eligible. | Document Uploaded. | 7/30/2025 | Lender exception for Non-Warrantable XXX on XXX program approved by investor. | 7/31/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1131756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/25/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing A VVOE for the Borrower XXX days prior to close is required. | Document Uploaded. | 7/30/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 7/31/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1131756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/29/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | In accordance with lender guidelines dated XX/XX/XXXX, a written income analysis by the underwriter must be included in the file for XXX | Document Uploaded. | 7/30/2025 | Income Calculation worksheet received and matches qualifying income. Condition resolved. | 7/31/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1131756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 7/29/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1141060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/31/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.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 §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. No Cure: the revised LE is dated XX/XX/XXXX and the initial CD was issued the same date XX/XX/XXXX | Document Uploaded. The CD dated XX/XX/XXXX was not issued by XXX, nor was it sent to the borrower. It was an estimated CD generated by the title company to balance closing fees. I have uploaded the XXX esign timeline to show that this was never sent to the borrower. | 8/1/2025 | lender confirmed CD dated XX/XX/XXXX was not provided to the borrower; exception resolved; lender confirmed CD dated XX/XX/XXXX was not provided to the borrower; exception resolved | 8/3/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant<br>Borrower has stable job time - Compliant<br>Qualifying DTI below max allowed. - Compliant A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1141060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/30/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Amendment to Agreement of sale is in the file. Provide the complete signed purchase contract. | Uploading complete signed purchase contract | 7/31/2025 | Purchase Contract Doc is complete. | 8/1/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant<br>Borrower has stable job time - Compliant<br>Qualifying DTI below max allowed. - Compliant A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1141060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/30/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The co-borrower has no credit scores. The VOR can be used to meet credit depth provided the co-borrower is on the account. Provide verification the co-borrower is listed on the rental account; lease or updated VOR. GL's XXX | B2 is not providing any verifiable income to the transaction so the lack of a score does not affect approvability of the loan. XXX Lending allows non-income providing spouses to be on the loan. The VOR trade on credit shows that it is a joint account so she does actually have credit depth but it is not needed as she is not providing any individual income | 7/31/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 8/1/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant<br>Borrower has stable job time - Compliant<br>Qualifying DTI below max allowed. - Compliant A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1141060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 7/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant<br>Borrower has stable job time - Compliant<br>Qualifying DTI below max allowed. - Compliant A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1140980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/30/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The borrower is a XXX. There is a Consular Card and passport from XXX. Provide proof of legal residency; an unexpired employment authorization document or valid XXX. | The borrower is a XXX priced as ITIN due to lack of XXX/employment authorization card. Uploading ITIN letter. | 7/31/2025 | Borrower Identification Document provided. | 8/1/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Original CLTV is Below the Guideline Maximum - Resolved<br>Original LTV is Below the Guideline Maximum - Resolved D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 7/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Original CLTV is Below the Guideline Maximum - Resolved<br>Original LTV is Below the Guideline Maximum - Resolved D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 7/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved<br>Original CLTV is Below the Guideline Maximum - Resolved<br>Original LTV is Below the Guideline Maximum - Resolved D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1140973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/5/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/5/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/5/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/7/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/7/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/7/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/7/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/7/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/7/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX. Provide signed and recorded Quit Claim Deed from XXX to the Entity. | Uploaded QCD for clearance; Document Uploaded. XXX(BA): Uploaded QCD for clearance; XXX(BA): Follow up to title sent; XXX(BA): Reached out to title for QCD | 8/14/2025 | Property Title Issue Resolved | 8/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Provide form 1007 completed by the appraiser. | Document Uploaded. Please review the attached appraisal for the 1007. Thank you. | 8/5/2025 | Property/Appraisal Meets Guidelines | 8/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | The appraisal is incomplete. Provide all pages with signature from a licensed appraiser, photos of the subject, comps, map, sketch, floor plan, location map, statement of limiting conditions and any addenda. GL XXX | Document Uploaded. Please review the attached appraisal. Thank you. | 8/5/2025 | Full Appraisal provided. | 8/6/2025 | Qualifying FICO is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/5/2025 | Qualifying FICO is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1140983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/4/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/5/2025 | Original CLTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. <br>Original LTV is Below the Guideline Maximum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/5/2025 | Rescinded | FCOM3216 | Credit | Note Address Does Not Match Deed of Trust Address | Note Address of XXX Does Not Match Deed of Trust Address of XXX |  |  | ; Note Address of XXX Matches Deed of Trust Address of XXX | 8/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/4/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/5/2025 | Borrower has stable job time - Resolved.<br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/4/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/5/2025 | Borrower has stable job time - Resolved.<br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/5/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 8/5/2025 | Borrower has stable job time - Resolved.<br>Qualifying FICO is Greater than the Guideline Minimum - Compliant - Lender requested these Comp Factors to be Resolved. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is vacant. Loans where the subject property is vacant on refinances (cash out or rate & term) are not permitted. GL's XXX |  |  | Property/Appraisal Meets Guidelines | 8/12/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a URAR 1004 with all photos, map, sketch signature and addenda. | Document Uploaded. Please review the attached appraisal w/ 1007 & signatures. | 8/8/2025 | Appraisal is Present or is Waived | 8/12/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | FVAL5472 | Property | Property or house size is outside of guidelines | The subject is XXX acres. The max permitted acreage is XXX. GL's XXX | Uploading updated ULAW with comp factors | 8/11/2025 | ; Lender exception approval provided - OK per XXX for XXX acres. Comp factors XXX FICO, XXX% LTV, significant reserves with cash out, S/E XXX yrs | 8/12/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | The appraisal is incomplete. Provide all pages of the URAR for the 1004 with signature, license, statement of limiting conditions, photos, map, sketch, location map and addendums. | Document Uploaded. Please review the attached appraisal w/ 1007 & signatures. | 8/8/2025 | XXX provided complete appraisal. | 8/11/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a refinance of a rural property with declining value, (-XXX% from XXX% LTV) is XXX%. Pricing exception was noted. XXX approved XX/XX/XXXX. Low LTV, High FICO. |  |  | XXX approved XX/XX/XXXX. Comp factors: Low LTV, High FICO. | 8/7/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a refinance of a rural property with declining value is XXX%. Pricing exception was noted. XXX approved XX/XX/XXXX. Low LTV, High FICO. |  |  | XXX approved XX/XX/XXXX. Comp factors: Low LTV, High FICO. | 8/7/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a refinance of a rural property with declining value (-XXX% from XXX% LTV) is XXX%. Pricing exception was noted. XXX approved XX/XX/XXXX. Low LTV, High FICO. |  |  | XXX approved XX/XX/XXXX. Comp factors: Low LTV, High FICO. | 8/7/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1140855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/7/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/7/2025 | Borrower has stable job time - <br>Qualifying FICO is Greater than the Guideline Minimum - D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 1141057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request<br>Borrower has stable job time - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request<br>Borrower has stable job time - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request<br>Borrower has stable job time - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | finding-2261 | Compliance | XXX Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test.<br> (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request<br>Borrower has stable job time - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/8/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/8/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/8/2025 | Borrower has stable job time - Resolved per client request<br>Qualifying DTI below max allowed. - Resolved per client request<br>Qualifying FICO is Greater than the Guideline Minimum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/7/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Borrower has stable job time - Resolved per client request<br>Original LTV is Below the Guideline Maximum - Resolved per client request<br>Original CLTV is Below the Guideline Maximum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/8/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Borrower has stable job time - Resolved per client request<br>Original LTV is Below the Guideline Maximum - Resolved per client request<br>Original CLTV is Below the Guideline Maximum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 8/8/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/8/2025 | Qualifying DTI below max allowed. - Resolved per client request<br>Borrower has stable job time - Resolved per client request<br>Original LTV is Below the Guideline Maximum - Resolved per client request<br>Original CLTV is Below the Guideline Maximum - Resolved per client request A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140977 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/9/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% lender exception in file to exceed XXX%. Exception approved to match rate of XXX% with XXX LPC, XXX PPP, XXX DSCR, XXX%<br> LTV. XXX% LTV Exception. Must document 1 month reserves. High Fico large residual DSCR. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140977 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/9/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: File is missing 1007 to support $XXX rental income. Lender to provide documentation to support rental income used. | Document Uploaded. Please review the attached 1007. | 8/12/2025 | Property/Appraisal Meets Guidelines | 8/13/2025 | Qualifying FICO is Greater than the Guideline Minimum B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140977 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/9/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/11/2025 | Qualifying FICO is Greater than the Guideline Minimum B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140977 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/11/2025 | Qualifying FICO is Greater than the Guideline Minimum B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1140976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 8/11/2025 | Original CLTV is Below the Guideline Maximum - Compliant<br>Original LTV is Below the Guideline Maximum - Compliant A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 8/11/2025 | Original CLTV is Below the Guideline Maximum - Compliant<br>Original LTV is Below the Guideline Maximum - Compliant A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 8/11/2025 | Original CLTV is Below the Guideline Maximum - Compliant<br>Original LTV is Below the Guideline Maximum - Compliant A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1091911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | BPP3603010-1 | Credit | Closing Disclosure/Settlement Statement Missing Or Defective | Missing Preliminary HUD | Uploaded | 10/24/2024 | Received | 10/24/2024 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1091911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | BPP3603010-2 | Property | Appraisal Review - Missing | Missing Appraisal Review | Uploaded | 10/24/2024 | Received | 10/24/2024 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1091911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | BPP3603010-3 | Credit | Subject Property Lease - Missing Or Defective | Missing Rent Review or Lease Agreement | Uploaded | 10/24/2024 | Received | 10/24/2024 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 1124215 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1124241 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122777 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1124233 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124240 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1125116 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1125096 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1125095 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1124194 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1125105 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125111 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1125092 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131750 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131789 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131768 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131796 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131765 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1141544 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131794 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131758 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1131766 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1144386 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1095281 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1112260 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115377 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115373 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1115370 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122541 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122542 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122774 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122782 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1094844 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1112269 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1095266 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 1095275 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1140850 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1115378 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1140806 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140854 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1140998 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1141000 | XXXXX |  | $XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| 1140857 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140876 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140825 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140815 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140872 | XXXXX |  | $XXXXXX C | D | D | D | D | D A B | A | A | A | A | A B |
| 1140853 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140863 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122528 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1122548 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140814 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140869 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122537 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141012 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122792 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 1140885 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141010 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141011 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124235 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140821 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1140822 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122762 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124202 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140819 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124184 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124189 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124190 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140820 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140824 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125099 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1125077 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125104 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1125101 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125089 | XXXXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 1125112 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1125106 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1141019 | XXXXX |  | $XXXXXX A | A | A | A | A | A D | A | A | A | A | A |
| 1125100 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125094 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1125114 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1125093 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125102 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141016 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1125103 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125109 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141002 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125091 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1125107 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1125098 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 1140887 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1131785 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141014 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1131791 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1131772 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141020 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1131776 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140931 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1131747 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140946 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1140901 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1131780 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1131770 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1131748 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1131801 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140936 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1131767 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1131795 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 1131788 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1140902 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1141035 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1131779 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 1131771 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1131756 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 1141060 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1140980 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1140973 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140939 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140934 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140988 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1140983 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141028 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140855 | XXXXX |  | $XXXXXX C | A | A | A | A | A D B | A | A | A | A | A B |
| 1141057 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141056 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1141052 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1140977 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1140976 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1091911 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.5 - Schedule 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** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1124215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124241 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122777 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124240 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125096 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125095 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 72.55% | 72.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 1124194 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125105 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.47% | 73.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 1125111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125092 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1131750 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1131789 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.82% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1131768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 54.11% | 54.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1131796 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1131765 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.01% | 64.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1141544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1131794 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 46.15% | 46.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | Form 1025 |  |  | Eligible | 1 |  |
| 1131758 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 1131766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 1144386 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1095281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 42.86% | 42.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1115377 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 1115373 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1115370 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.50% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 1122541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 41.41% | 41.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1122542 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122774 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.82% | 56.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122782 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1094844 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0775 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.75% | 95% | 5% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 1112269 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.38% | 72.38% |  |  |  |  |  |  |  |  | $XXX | $XXX | 9.52% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1095266 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1095275 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.42% | 68.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140850 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115378 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 1140806 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1140854 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140998 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  | $XXX | $XXX | -.0019 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.19% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 1141000 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1140857 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1140876 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140825 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 1140815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.00% | 65.00% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 1140872 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.07% | 74.07% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 1140853 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.46% | 59.46% |  |  |  |  | $XXX | $XXX | .2126 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 21.30% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140863 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.00% | 60.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1122528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.00% | 55.00% | $XXX | $XXX | .1904 | 1004 URAR |  |  |  |  | $XXX | $XXX | 19.04% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1122548 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 1140814 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.57% | 59.57% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1140869 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99% | 74.99% |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1122537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.89% | 57.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 1141012 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -.0381 | Desk Review |  |  |  |  | $XXX | $XXX | -3.81% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.81% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1122792 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140885 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.93% | 53.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1141010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1141011 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.84% | 77.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 1124235 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.55% | 54.55% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140822 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122762 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1124202 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 1140819 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1124184 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1124189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.52% | 59.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124190 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1140820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1140824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.57% | 68.57% | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125099 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 1125077 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.42% | 74.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1125104 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 1125101 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1125112 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125106 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.76% | 68.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1141019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0258 | 1073 Individual Condo Report |  |  |  |  | $XXX | $XXX | 2.58% | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 1125100 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00% | 75.00% | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1125094 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1125114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0339 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.39% | 89% | 11% | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 1125093 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125102 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1141016 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.00% | 70.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1125103 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.37% | 20.37% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 1125109 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | -.0662 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.62% | 93% | 7% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1141002 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 1125091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 1125107 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.06% | 62.06% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 1125098 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 1140887 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.15% | 46.15% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 1131785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 1141014 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.92% | 72.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1131791 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1131772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1141020 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1131776 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.85% | 26.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140931 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1131747 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 1140946 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140901 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 1131780 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 1131770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1131748 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.00% | 25.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 1131801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.32% | 73.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140936 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 1131767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1131795 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1131788 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.00% | 50.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 1140902 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.33% | 33.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1141035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 35.71% | 35.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1131779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 1131771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 1131756 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 1141060 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.96% | 74.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1140980 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.30% | 40.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140973 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.52% | 64.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1140939 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.35% | 54.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 1140934 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 1140988 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.00% | 60.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1140983 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1141028 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1140855 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1141057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1141056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 1141052 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1140977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -.0424 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.24% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1140976 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.90% | 53.90% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 1091911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -0.08 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.62% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6**

![](ex996001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

HOMES 2026-NQM1

Dated: December 4, 2025

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by APF II Resi O4B, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 68 loans, including 38 Residential and 30 Business Purpose Loans, totaling an aggregate original principal balance of approximately $46,704,030.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. ("Fitch") and S&P Global Ratings ("S&P"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

Additional information about the data integrity review is included below.

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

Evolve reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Loans, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Evolve. 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, Evolve 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:** Evolve'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, Evolve: (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 ("DTI") 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:** Evolve 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:** Evolve 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, Evolve 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).

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (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, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

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

**Fraud Review:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve 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, Evolve 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.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

**Additional Review of Mortgage Loan File:** Evolve 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.

Additionally, Evolve 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) DTI ratios and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Loans), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (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 and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve'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.

Other aspects of Evolve'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 Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;55.88% | &nbsp;&nbsp;38 | &nbsp;&nbsp;55.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;30 | &nbsp;&nbsp;44.12% | &nbsp;&nbsp;30 | &nbsp;&nbsp;44.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;92.65% | &nbsp;&nbsp;63 | &nbsp;&nbsp;92.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;92.65% | &nbsp;&nbsp;63 | &nbsp;&nbsp;92.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;68 | &nbsp;&nbsp;39.71% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;68 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;68 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;68 | &nbsp;&nbsp;57.35% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;68 | &nbsp;&nbsp;47.06% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;68 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;68 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;58 | &nbsp;&nbsp;68 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;6 | &nbsp;&nbsp;68 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;68 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;68 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;68 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;68 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;68 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;18 | &nbsp;&nbsp;68 | &nbsp;&nbsp;26.47% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;42 | &nbsp;&nbsp;68 | &nbsp;&nbsp;61.76% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;8 | &nbsp;&nbsp;68 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;68 | &nbsp;&nbsp;22.06% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;26 | &nbsp;&nbsp;68 | &nbsp;&nbsp;38.24% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;68 | &nbsp;&nbsp;20.59% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;68 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;62 | &nbsp;&nbsp;68 | &nbsp;&nbsp;91.18% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;68 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;43 | &nbsp;&nbsp;68 | &nbsp;&nbsp;63.24% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;27 | &nbsp;&nbsp;68 | &nbsp;&nbsp;39.71% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;9 | &nbsp;&nbsp;68 | &nbsp;&nbsp;13.24% |

---

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review** 

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of
 application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance 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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](ex996002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1140826 | XXXXXXX | XXXXXXX | Doc Type |  | P&L | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Maturity Date | XXXXXXXXXX | XX | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Occupancy |  | Second Home | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140826 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Product Code |  | PL12CPA30F | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Property Type | PUD Attached | PUD-Detached | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Qualifying DTI | 3.09500 | 0.03095 | Verified |
| 1140826 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1140837 | XXXXXXX | XXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1140837 | XXXXXXX | XXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140837 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140837 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 1140837 | XXXXXXX | XXXXXXX | Qualifying DTI | 41.19100 | 0.40771 | Verified |
| 1140837 | XXXXXXX | XXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original CLTV |  | XXXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type |  | Bank Statement | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original LTV |  | XXXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Occupancy |  | Primary | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXXX | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | NP30F | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Qualifying DTI |  | 0.25749 | Verified |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 1.600 | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 46.61100 | 0.37045 | Verified |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Doc Type |  | Alternative Doc | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | NP30F | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 35.63400 | 0.42489 | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.000 | 1.040 | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | Bk St- 12 mos | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | QM Status | QM Safe Harbor | Non-QM | Verified |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 30.25500 | 0.41548 | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXXX | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | Bk St- 12 mos | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 7.62500 | 0.07625 | Verified |
| 1140813 | XXXXX | XXXXX | Original CLTV |  | XXXXXXXX | Verified |
| 1140813 | XXXXX | XXXXX | Original LTV |  | XXXXXXXX | Verified |
| 1140813 | XXXXX | XXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140813 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1140813 | XXXXX | XXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1140813 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1140813 | XXXXX | XXXXX | Qualifying DTI | 2.55500 | 0.02555 | Verified |
| 1140813 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1140832 | XXXXX | XXXXX | DSCR | 1.084 | 1.020 | Verified |
| 1140832 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1140832 | XXXXX | XXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140832 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1140832 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 1140832 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1140832 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1140831 | XXXXX | XXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1140831 | XXXXX | XXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140831 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1140831 | XXXXX | XXXXX | Product Code | Full Doc | C30FITIN | Verified |
| 1140831 | XXXXX | XXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1140831 | XXXXX | XXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1140831 | XXXXX | XXXXX | Qualifying DTI | 48.87000 | 0.48874 | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | VOE | Alternative Doc | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | Full Doc | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 49.45800 | 0.49458 | Verified |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Verified |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | No Ratio | Bank Statement | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 23.63600 | 0.23636 | Verified |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 0.710 |  | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACCINC 30 YR FIXED 3 YEAR PPP STEP DN | BPACCINC30Y5YPPSD | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 39.94100 | 0.40599 | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 35.44600 | 0.35446 | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 49.03300 | 0.49033 | Verified |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.12500 | 0.42125 | Verified |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.60700 | 0.42616 | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 40.56800 | 0.40564 | Verified |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 23.94100 | 0.23941 | Verified |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 49.84600 | 0.49846 | Verified |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 22.52600 | 0.22526 | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 20.91500 | 0.20915 | Verified |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 37.35500 | 0.37355 | Verified |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 19.71600 | 0.19716 | Verified |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 31.23600 | 0.31236 | Verified |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Asset Utilization | Verified |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 20.54500 | 0.20545 | Verified |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 46.02000 | 0.46020 | Verified |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 15.62000 | 0.15720 | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1141082 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 34.05000 | 0.34260 | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1141069 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 49.92000 | 0.49937 | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | DSCR | 1.282 | 1.230 | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141064 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141068 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Mid 5-8 Stories | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1141071 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 20.62000 | 0.20617 | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141091 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1141087 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 47.53000 | 0.47733 | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1141084 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 13.09000 | 0.14329 | Verified |
| 1141070 | XXXXXXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1141070 | XXXXXXXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141070 | XXXXXXXXX | XXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141070 | XXXXXXXXX | XXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141070 | XXXXXXXXX | XXXX | Note Date |  | XXXXXXXX | Verified |
| 1141070 | XXXXXXXXX | XXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141070 | XXXXXXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1141070 | XXXXXXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1141070 | XXXXXXXXX | XXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141070 | XXXXXXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1141070 | XXXXXXXXX | XXXX | Qualifying DTI | 10.38000 | 0.17012 | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 47.43000 | 0.48475 | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 28.63000 | 0.35859 | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Property Type | Condo | Townhouse | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 49.86000 | 0.53164 | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Property Type |  | Manufactured | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 2.41000 | 0.02801 | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Loan Purpose | Refinance (Full Doc) Limited Cash Out | Refinance - Cash Out | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Original P&I | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | 24.13000 | 0.34284 | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | DSCR | 1.001 | 1.020 | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 2.74000 | 0.02740 | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 38.55000 | 0.36566 | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 8.43000 | 0.08450 | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 7.98000 | 0.08073 | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | 50.31000 | 0.50310 | Verified |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Original P&I | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | DSCR | 1.415 | 1.290 | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Loan Purpose | Refinance (Refi.) No Cash Out | Refinance (Refi) No - Limited Cash Out | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.497 | 1.480 | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133074 | 98 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Appropriate riders attached and signed: |  | The XXXXXXXXXX reflected the property was a XXXXX however, the XXXXX of XXXXXXXXXXXXXXX did not reflect a XXXX XXXXXX was required. XXXXXXXXXXXXX the XXXX XXXXXX was not attached. XXXXXXX provide updated XXXXX of XXXXXXXXXXXXXXX and a XXXXXXX of XXXXXXX to XXXXXXXXXXX | Information provided |  |  | 04/22/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133081 | 101 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | The XXXXXXXXX reflected the subject property was in XXXXXXXXX county; however, the legal description reflected the subject property was in XXXXXXXXXXX XXXXX county. XXXXXXX provide updated XXXXX of XXXXXX and a XXXXXXX of XXXXXXX to XXXXXXXXXXX | Information provided |  | Reviewer 04/22/2025 10:03 AM; DOT has not been corrected<br>| 05/23/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133255 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The co-borrowers income documentation, borrower''''s XXXX statement calculation worksheet, and rental income documentation are all missing from the loan file. XXXX credit review will remain on hold until all documents are received. | Adding new def to stop XXXX for missing income docs |  | Reviewer 03/12/2025 09:37 AM; calculation worksheet received XXXXXXX docs still missing<br>| 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133416 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The co-borrowers income documentation and rental income documentation are still missing from the loan file. XXXX credit review will remain on hold until all documents are received. | Per lender and final XXXXXX coborrower and rental income not used to qualify. |  | Client 03/13/2025 01:15 PM; Co-borrower income and rental income was not used to qualify in this loan<br>Reviewer 03/13/2025 01:45 PM; <br>Reviewer 03/13/2025 03:33 PM; Hello <br> XXXX credit team is looking into this. <br>XXXXXX<br>| 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133687 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Fraud report is missing from this file | Fraud XXXXXXX received |  |  | 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | 7133690 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | \*VVOE is missing from this file | Received XXXX letter dated within XXX days of closing. |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | D | A | A | A |  | Exempt | 1 |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | 7136627 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | 7136628 | 108 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Please provide the deed of trust for review. | Information provided |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | 7136739 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing desk review to support the appraisal value as the XXXXX in the file did not provide a score | Received XXX |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | 7136740 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing verification on the required monthly payment from XXXXXXXXXXX of XXXXXXXXXXXXXXXXX loan XXXXXXX having a current balance of XXXXXXXXXXXXX as the credit report does not provide a payment or confirm if the loan is in deferment. XXXXXXXXXXX require a minimum payment of the higher of XXX of the outstanding balance XXX the current monthly reported payment. | Using XXXX (schedule XXXX from insurance agent satisfies rent loss issue. XXXXXX XXXX income of XXXXXXXXXXX xXX% XXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXX rent loss XXXXXXXXXXXXX XXXXXXXXXX XXX student loan XXXXXXXXXX plus other XXXXXXXXXXXXXXXXXXXXX XXXX is XXXXXXXXXX |  | Reviewer 04/20/2025 10:39 AM; Document received did not include verification of the monthly payment from XXXXXXXXXXX of XXXXXXXXXXXXXXXXX loan XXXXXX<br>Client 04/21/2025 10:36 AM; Please read the attached email from XXXXX XXXXX XXXXXXX confriming using XXXX rate off the XXXXX for this condition. XXXXX is a purchase and not a XXXXXXX <br>Reviewer 04/21/2025 10:52 AM; <br>Client 04/23/2025 09:17 AM; Will XXXXX grant exception to use market rent from the subject property, XXXXX with market rent on it XXXXXXX XXXX with XXX XXXXXXXX for the XXXX loan and use market rents.<br>Reviewer 04/23/2025 11:26 AM; <br>Reviewer 04/23/2025 03:04 PM; Per XXXXXX this is a vacant short-term rental. XXXXX market XXXX is XXXXXXXXXXXX XXXXX amount may be included in the qualifying income. XXXXXXXXX rent loss coverage in the hazard insurance of at least XXX gross rents or XXX XXXXXX (lesser of either is acceptable) XXXXXXXXX pricing/lock update to include XXXXX for a short-term rental. <br>Client 05/12/2025 02:05 PM; We accept the pricing hit. XXXXX you accept email from insurance compnay for the rent loss coverage? <br>Reviewer 05/12/2025 02:34 PM; <br>Reviewer 05/13/2025 02:39 PM; Market rents can be used for income since it is XXXXXX XXXX pricing on the lock needs to include the XXXXX for XXXXXX XXX can accept an email from the insurer stating that XXXXXX of XXXXX as shown on the declarations page includes lost rents. <br>Client 05/21/2025 09:43 AM; Is there an update XXXXXXXXXXXXXX question sent to XXXXX XXXXXXXXXXXXXX<br>Reviewer 05/21/2025 11:21 AM; <br>Reviewer 06/04/2025 11:34 AM; Received XXXXX with pricing for XXXXXX XXXX not receive verification of the monthly payment from XXXXXXXXXXX of XXXXXXXXXXXXXXXXX loan XXXXXXX and did not receive XXXX with loss of use included in coverage.<br>Client 06/05/2025 03:24 PM; XXXX agreed to accpet the email from the insurance company. XXXXX was provided in the file. <br>Reviewer 06/05/2025 04:19 PM; <br>| 06/05/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7137373 | 870 | XXXXXXXXXX | Compliance | Appraisal |  | Appraisal - Other: |  | Please provide full color appraisal. | Information provided |  |  | 04/22/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | 7143953 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Need updated name affidavit for XXXXXXX XXXXXXXXX - borrower is signing as XXXXX XXXXXXXXXX however this variation is not listed on the name affidavit in file | Information provided |  |  | 06/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140813 | XXXXX | XXXXX | 7139541 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing hazard insurance policy with rental income loss coverage | Received XXXXXX from XXXXXXXXXX XXXXX |  |  | 05/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140813 | XXXXX | XXXXX | 7138885 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141064 | XXXXXXXXX | XXXXXXX | 7141255 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Lock reflects there should be XXXXXXXXXX prepayment penalty, but the XXXX addendum to the note and XXXX rider to the deed are missing. XXXXXXX confirm if there is prepayment penalty. | Information provided |  | Reviewer 06/26/2025 09:14 AM; Affidavit to correct and re-record the XXXX has not been executed or notarized. <br>| 06/26/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | 7140499 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score was not determined. | Received XXXXX XXXXXX |  |  | 05/13/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | 7141165 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | Received XXX scores = X |  |  | 06/03/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | A | A | D | A | C | A |  | Non-QM | 1 |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | 7142913 | 459 | XXXXXXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | Please provide the note. | Information provided |  |  | 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | A | A | D | A | C | A |  | Non-QM | 1 |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | 7142897 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  | Client 06/04/2025 12:59 PM; all deficiencies in for review <br>Reviewer 06/04/2025 01:02 PM; <br>Reviewer 06/04/2025 01:59 PM; Hello <br> XXXXXXXXXX uploaded have been reviewed. <br>XXXXXX<br>| 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | A | A | D | A | C | A |  | Non-QM | 1 |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | 7142898 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Missing XXXXXXXXXXX XXXXXXXXX XXXXXXX | Information provided |  |  | 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | A | A | D | A | C | A |  | Non-QM | 1 |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | 7142912 | 108 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Please provide the deed of trust. | Information provided |  |  | 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | A | A | D | A | C | A |  | Non-QM | 1 |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | 7141578 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing an acceptable fraud report | Received XXXXXX report |  |  | 06/17/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | 7141580 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide personal guaranties signed by XXXXXX XXXXXXXXXX individually and XXXXX XXXXXXXXXX individually for XXXXXX XXX | guaranty received |  |  | 06/13/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | 7144046 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX updated name affidavit for XXXXXXX XXXXXXXXX - borrower is signing as XXXXX XXXXXXXXXX however this variation is not listed on the name affidavit in file | Information provided |  |  | 06/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | 7148775 | 1080 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - - State Regulations Restricted Fees Fail |  | Need supporting documentation which reflects the starting unadjusted rate (i.e. XXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXXX etc.) to determine discount points are bona fide | Information provided |  | Reviewer 07/24/2025 12:21 PM; Escalated for review<br>Reviewer 07/25/2025 12:35 PM; rate sheet uploaded does not reflect the undiscounted starting rate - the rate with the asterisk is the note rate- still need undiscounted/starting rate<br>| 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | 7148777 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | 7141967 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Provide fraud report with all high and medium alerts cleared. | Received XXXXXX report |  |  | 07/21/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1141070 | XXXXXXXXX | XXXX | 7141904 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a XXXXX XXXXX report stating a score of XXXXX or below. XXX the score exceeds XXXXX a second collateral evaluation will be required | Received XXXXX score of XXXX |  |  | 05/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141070 | XXXXXXXXX | XXXX | 7141905 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a personal guaranty signed and dated by XXXXXXX XXXXXXX for XXXXX XXX XXX | Personal XXXXXXXXX is not to be signed by XXXXXXXXXXX XXXXXX for XXXXX XXXXXXXX but by the XXXXXXXXXX on their personal behalf. |  | Client 06/09/2025 11:39 AM; Personal XXXXXXXXX is not to be signed by XXXXXXXXX XXXXXX for XXXXX XXXXXX but by the XXXXXXXXXX on their personal behalf. <br>Reviewer 06/09/2025 12:53 PM; <br>| 06/09/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141070 | XXXXXXXXX | XXXX | 7141906 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing the business XXXX statements covering the period XXXXXXXXXXXXXXXX for XXXXX XXXXXXXXXXX XXXX XXXXXXXXXXX XXXXX XXXXXXX and XXXXXXX XXXXXXXXXX XXXX XXXXXXXXXXX XXXXX XXXXXXX confirming qualifying income of XXXXXXXXXXXXXX per month from the combined average deposits over a XXXXXXXXX period. XXXX file is missing the XXXX statements | XXXX statements received for both accounts |  |  | 06/03/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141070 | XXXXXXXXX | XXXX | 7142695 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXXXX | Information provided |  |  | 06/20/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141070 | XXXXXXXXX | XXXX | 7142696 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX XXXXXXXXXXXXX | Information provided |  |  | 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141068 | XXXXXXXXX | XXXXXXX | 7142609 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Xrd party validation of XXXX missing from file. | CPA verification provided. |  | Client 06/02/2025 12:21 PM; CPA business verification uploaded to file. <br>Reviewer 06/02/2025 02:05 PM; <br>| 06/02/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 2 | 3 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | 7142666 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide XXXXX XXXXX report with a score of XXXXX or less. XXX the score exceeds XXXXX a secondary collateral evaluation will be required. | Received XXXXX score-= X |  |  | 06/02/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | 7143122 | 187 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide flood certificate. | Information provided |  |  | 06/09/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1141079 | XXXXXXXXX | XXXXXXXXX | 7144514 | 423 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Provide a corrected appraisal. XXXXXXXXX XXXXXXX is listed on the appraisal and the subject property is located in XXXXXXX XXXXXXX according to the legal description, title and tax certs. | Received revised appraisal |  |  | 06/27/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | 7144853 | 357 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Limited XXXXX XXXX XXXXXXXXXX XXXXXXXXXXX permit incidental cash back up to XXXXXXX or XXXXXX of the loan amount, which ever is greater, not to exceed XXXXXXXXXX XXXX loan amount is XXXXXXXXXXXX XXX = XXXXXXXXXX XXXXXXXXXX XXX on the XXXX states the greater of XXXXXXXX or XXX of the loan amount, and conflicts with the guidelines. XXXXX to borrower at closing was XXXXXXXXXXXX exceeding the guideline requirements. | Received XXXXX out XXXX |  | Client 07/07/2025 12:34 PM; TPR finding is correct, XXXXX error. XXX are going to treat as a cash out but waive the XXX bps XXXXX hit.<br>Reviewer 07/07/2025 12:47 PM; <br>Reviewer 07/09/2025 11:33 AM; Received approval as XXXXX out. XXXXXXX provide the XXXXX stating cash out.<br>| 07/10/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141069 | XXXXXXXXX | XXXXXXX | 7146868 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXX due to increase of the tax service fee on XXXXX XXXXX XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing | Information provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1141069 | XXXXXXXXX | XXXXXXX | 7146869 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | 7147326 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Deed is missing the notary signature. XXXXXXXXXX and signed notary acknowledgement section must be present. | Information provided |  |  | 07/17/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1141087 | XXXXXXXXX | XXXXXXX | 7144801 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guidelines require a XXXX XXXXX score and an XXXX less than or equal to XXXX when the XXXX is XXXXXXXX to XXXXXXXXXX XXXX XXXX is XXXXXXXXX the XXXX is XXXXX and the XXXXX score is XXXXXX XX vesting schedule was not provided to use the XXXXXXXXX as income. | LDL income used XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXX co-borrower XXXXXXXXXXXXX XXXX XXXXXX |  |  | 07/01/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1141087 | XXXXXXXXX | XXXXXXX | 7147962 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Please provide updated XXXXX that reflects the correct property type, XXXXX | Information provided |  |  | 07/23/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | 7144747 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Second valuation missing from file | UCDP XXX XXXXX score of XXX |  |  | 06/27/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | A | A | A | A | C | A |  | Non-QM | 1 |
| 1141084 | XXXXXXXXX | XXXXXXX | 7146797 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing closing protection letter | Received XXX |  | Reviewer 07/10/2025 01:49 PM; The closing protection letter does not list the correct buyer''''s name.<br>| 07/11/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | 7145733 | 442 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Retirement income docs missing/incomplete |  | Missing proof of XXXX income confirming monthly income of XXXXXXXXXXX | SSI income removed. revised XXXXX and XXXXX received. |  | Reviewer 07/07/2025 02:13 PM; Document received did not include verification of XXX income used on XXXXX and XXXX<br>| 07/13/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | D | A | A | A |  | Non-QM | 1 |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | 7144876 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 07/02/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | D | A | A | A |  | Non-QM | 1 |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | 7144881 | 459 | XXXXXXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | Please provide the XXXXXX | Note provided |  |  | 11/21/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | D | A | A | A |  | Non-QM | 1 |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | 7144886 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Please provide updated deed that reflects the correct county per legal description. XXXXXXXXXXXXX XXXXXXX also include a XXXX to re-record. | Updated deed provided |  | Reviewer 07/14/2025 10:01 AM; NO documentation provided<br>Reviewer 07/15/2025 09:34 AM; On page XX of the XXXXX under XXXXXXXXX XXX XXXXXXXXX XXXXXXXX it reflects XXXXXXXXX XXXXXXX be XXXXXXXXXXX XXXXXXXXXXX remains open<br>| 07/16/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | D | A | A | A |  | Non-QM | 1 |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | 7146348 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the fraud report which includes all parties to the transaction. | Received clear fraud report |  |  | 07/07/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140826 | XXXXXXX | XXXXXXX | 7146028 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 2 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140826 | XXXXXXX | XXXXXXX | 7146029 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | LE is not provided. | LE provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 2 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140826 | XXXXXXX | XXXXXXX | 7146030 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Missing XXXXXXXXXXX XXXXXXXXX XXXX | Settlement XXXXXXXXX XXXXX provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 2 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140826 | XXXXXXX | XXXXXXX | 7146947 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrowers government issued photo XXX either the XXXX card or XXXXXXX results. | Received XXXXXX |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 2 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | 7146805 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | The XXXXXX XXXX XXXXXXXXXXX XXXXXXXXXX is missing from file. | Information provided |  | Client 07/21/2025 10:58 AM; I uploaded the XXXXXX XXXXX XX XXXXXX XXX is not required for XXX loans. <br>Reviewer 07/21/2025 11:00 AM; <br>Reviewer 07/21/2025 01:12 PM; <br>| 07/21/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | 7148274 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | CDA provided is expired. XXXXXXXX updated XXXXX | Received updated XXX |  |  | 08/03/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | 7147124 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 07/21/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | 7146940 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing loan approval. XXXXXX XXXXX may result in additional deficiencies. | XXXX provided |  | Client 07/14/2025 11:15 AM; This is XXXXXXX underwriting. XXXXXXXXX XXXXX . <br> kindly check and clear the condition.<br>Reviewer 07/14/2025 12:07 PM; <br>| 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | 7146941 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX card or XXXXXXX results. | Received XXXXX match |  | Reviewer 07/14/2025 10:27 PM; The document provided was the XXXXXXXXX XXXXXXXX either the borrower''''s XXX card or the XXXXXXX results.<br>Client 07/15/2025 02:10 PM; we already provided the XXXX along with XXXXXXXX <br> XXX uploaded the XXXXXXXXXX<br> XXXXXXX review and clear the condition <br>Reviewer 07/15/2025 03:31 PM; <br>Reviewer 07/15/2025 03:31 PM; Per guideline XXXXXX a copy of (i) XXXXXXX XXXXXXXXX XXXXX (not required where an XXXXXXX or XXXXXXXXXX is obtained from respectively, the XXXXXXX XXXXXXXXX XXXXXXXXXXXXXXX or XXXX services. XXXX XXXXXXX provided is not executed. <br>| 07/17/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | 7148002 | 351 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Letter of explanation not included for XXXXXXX living rent free. XXXXXXXX mtg statement included in file with mtg payment of XXXXXXXXXXXXXX XXXXXXXXXX is in XXXXXXX XXXXXX name and includes escrows. XXX letter of XXXX on prim. XXXXXX report shows XXXXXXX on deed of prim res. XXX XXXXXXXXX XXXXX XXXXXXXXX | Borrower is on the deed but not on the mtg. XXXX statement provided reports the XXXXXXXXXX are escrowed with the XXXXXXX XXXXXX XXX debt included. |  | Client 07/28/2025 09:33 AM; Borrower is on the deed but not on the mtg. XXXX statement provided reports the XXXXXXXXXX are escrowed with the XXXXXXX XXXXXX XXX debt included. <br>Reviewer 07/28/2025 11:28 AM; <br>| 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | 7148093 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | COMMENT XXXXX received notary for XXXXXXXX XXXXXXX XXXXXXX XXXXX (our borrower) and XXXXXXXX XXX names have been crossed out. XXXXXXX provide the XXXXXXX for XXXXXXX and XXXXXXXXX | Information provided |  | Client 07/22/2025 12:05 PM; New XXXX uploaded, the other XX parties are on a separate ack (page XXXX<br>Reviewer 07/22/2025 12:42 PM; <br>Reviewer 07/22/2025 02:45 PM; Thank you!<br>| 07/22/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | 7147913 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The approval is missing from the file. XXXXXX XXXXX recieved, this may result in additional deficiencies being applied. | Received XXXXX XXXXXXXX |  |  | 07/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | 7147914 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing XXXXXX XXXXXX documentation with all XXXXXXX and XXXXX alerts addressed. | Received fraud report |  |  | 07/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | 7147344 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Deed is missing the notary signature on XXXXXXXXXXXX XXXXXXXXXX and signed notary acknowledgement section must be present. | Documents received |  |  | 07/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | 7146958 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXXX with a risk score of XXXX |  |  | 07/22/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | 7148217 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXX XXXXXX XXXXXXXXXXXX income calculation worksheet is missing from the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 07/23/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | 7149022 | 418 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | The subject loan does not meet condominium review requirements due to excessive investor concentration and single entity ownership. XXXX of XXX total units, XXX units are investor-owned, representing XXXXXXXXX which exceed the maximum allowable investor concentration of XXXXXX XXX addition, a single entity owns XXX units, representing XXXXXXXX of the total, which exceeds the allowable single entity ownership limit of XXXXXX |  | Compensating XXXXXXXXX XXXXXXX XXXXXX of XXXX where the minimum XXXXX required is XXXX and XXXXXXXXX XXXXXXX of XXXXXXXX is greater than XXXXXXXX |  |  |  | 07/24/2025 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | 7149030 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The borrower does not meet the XXXXXXXXX housing history documentation requirements. XXXX guidelines, if was/is renting from a private party, request leases for each address to cover the most recent XXXXXXXXX period, along with verification of timely payments made (either canceled checks front and back or XXXX statements showing account ownership and payments debited by landlord) are required. XXXX loan file did not contain a copy of the lease agreement, nor XXX months cancelled checks. XXXXXXX from borrower was provided indicating rents were paid in cash. XXXXXXXXXX XXXXXXXXXX | VOR reflects rented from XXXXXXXXX |  |  | 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | 7148027 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from file. | Received income worksheet |  |  | 08/03/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | 7147937 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide a XXXXXXXXX XXXXXXXXX that reflects the borrower, XXXXXXX XXXXX XXXXXX as individual. | Information provided |  | Client 07/18/2025 09:00 AM; PG as an individual is in the file. XXX was uploaded XXXXXXX XXXXXXX clear<br>Reviewer 07/18/2025 09:31 AM; <br>Reviewer 07/18/2025 01:37 PM; <br>Client 07/18/2025 01:44 PM; PG is acceptable to XXXXXX as the body of the XXX reflects him as the XXXXXXXXXXXX XXXXXXX clear<br>Reviewer 07/18/2025 02:00 PM; <br>Reviewer 07/18/2025 02:19 PM; Hello <br> XXXXXX you for the confirmation. XXXXX has been cleared. <br>XXXXXX<br>| 07/18/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140832 | XXXXX | XXXXX | 7148161 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | DSCR is less than XXXXX with an XXXX XXXXX |  | The exception for XXXX XXXX with a XXXXX of less than XXXXX was granted with the following compensating factors. XXXX XXXXXX XXXXX XXXXXXXXX in reserves. |  |  |  | 07/18/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1140832 | XXXXX | XXXXX | 7148201 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Need XXXXX approval of exception with compensating factors on formal XXXXXXXXXX XXXXX for XXXX XXXX on loan with less than a XXXXX XXXXXX |  | Exception approved for XXXX XXXX with XXXXX to be not less than XXXXXXXXX XXXXXXXXXXXXX factor; borrower's XXXX XXXXXX reserves after close XXXXXXXXXXXXXX | Client 07/21/2025 12:34 PM; XXXXX loan should not have been eligible, but we will honor the XXXX XXXX if you meet the below: <br> XXXXX was XXXXXXX XXX error, it only makes sense to honor the lock XXXX XXXX with a XXXXX of less than XXXXX as <br> required. <br> XXXXXXXXXX approved for XXXX XXXX with XXXXX to be not less than XXXXXXXX<br> XXXX factor is borrower's XXXX XXXXXX<br>Reviewer 07/21/2025 01:17 PM; <br>|  |  | 07/21/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | 7148739 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification the business is operational within XXX XXX of the note missing from file. | Received XXX day XXXX XXXXXXXXX XXXXXX |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | 7148187 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | The XXXXXX XXXXXXXXXXX XXXXXXXXXX is missing from file. | Information provided |  |  | 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | 7148226 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/25/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | 7148227 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the addition of a XXXX XXXXXXXXXX fee on the XXXXX XXXXX XXXXXX is a XXXX for this date that mentions the addition of this fee, but it does not provide a valid explanation as to why its needed. XXXXXXXXXX amount is XXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided |  |  | 07/25/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | 7148810 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 07/31/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | 7148811 | 1058 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  | Reviewer 07/28/2025 01:23 PM; NO documentation provided<br>Client 08/14/2025 05:13 PM; Can we please waive? XXXXXX you. <br>Reviewer 08/15/2025 04:18 AM; <br>Reviewer 08/15/2025 11:00 AM; Hello <br> XXXXX can not be waived. XXX accepted as is, it will result in a XXXX grade. XXXXXXX let us know how you would like to proceed. <br>XXXXXX<br>| 08/21/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | 7149137 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing business XXXX statement analysis worksheet confirming monthly income of XXXXXXXXXXXXXX | Received XXXX statement income worksheet |  |  | 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | 7149141 | 436 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Missing XXXXX dated within XXX business days from the note date confirming the existence of the business. | Employment matched on XXXXXX XXXXXXX dated XXXXXXX |  |  | 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | 7148960 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. | Information provided |  |  | 08/07/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | 7149094 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX XXXXXXXXXXX reflecting disbursement date. | Information provided |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | 7149108 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. | Information provided |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | 7149325 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXX statement income calculation worksheet and XXX months of XXXX statements are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 07/29/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | A | A | A | A | A | A | A | A |  | Exempt | 1 |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | 7148824 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/05/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | 7148825 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for addition of XXXXXXXXXX XXXXXXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. XXXXXXXXXX was completed on XXXXXXXXX but the re-inspection fee was not added until XXXXXXXXXXX | Information provided |  | Reviewer 07/29/2025 09:55 AM; Received the audit history for the appraisa, however it will not clear def. XXXXXX was a XXXX in the file for the re-inspection fee dated XXXXX however a XXXXXX was not disclosed within XX days of this XXXXXX XXXX XXXXX XXX that refelcts the re-inspection fee is more than XX days. XXXXXXX is required<br>Client 07/29/2025 12:37 PM; XX/XX document in file is a XXXXXXXX form not XXXXXX XXXXXXXX had to be held due to change of XXXXXXXXXX XXXXXX noted in XXXXXX history provided <br>Reviewer 07/29/2025 01:03 PM; <br>Reviewer 07/30/2025 10:57 AM; Hello, <br>XXXX audit reflects the loan was held on XXXXXXX XXXX it does not show when it was requested. XXXX XXXX suggests that it was ordered on XXXXXX XXXX fee was added on XXXXXXX XXXX lender knew a reinspection fee would be required when they received the appraisal on XXXXXX XX XXXX with updated XXXXXX should have been disclosed at that time reflecting the re-inspection fee. XX would accept the XXXX issed on XXXXX however a XXXXXX should have been issued withi<br>Reviewer 08/04/2025 01:06 PM; Pages XX and XX of the XXXXX has not been provided. XXXXXXX provide all pages of the XXXXX XXXX<br>| 08/05/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | 7149723 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for a transferred appraisal without an XXXXX |  | Compensating XXXXXXXXX XXXXX XXXXXXXX XXX points over the minimum required score for the XXXX requested; XXXXX XX months additional reserves than required. |  |  |  | 07/31/2025 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1140837 | XXXXXXX | XXXXXXX | 7148812 | 187 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the flood certificate. | Information provided |  |  | 07/28/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | 7149450 | 335 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | Missing business XXXX statement analysis worksheet which will confirm monthly income of XXXXXXXXXX | Received XXXX statement income analysis |  |  | 07/30/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149423 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Acceptable letter of explanation from XXXXXXXXX regarding significant number of XXXX reflected on business XXXX staetments. | Borrower XXXX provided |  | Client 08/14/2025 10:54 AM; Please see nsf''s loe from XXXXXXXXX attached. XXXXXX you. <br>Reviewer 08/14/2025 11:26 AM; <br>| 08/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149424 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from file. | XXXX XXXXXXXXXX XXXXXXX work sheet provided |  | Client 08/08/2025 11:03 AM; Please find income calc worksheet. XXXXXX you. <br>Reviewer 08/08/2025 01:09 PM; <br>| 08/08/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149426 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification XXXXXXXX operational within XXX days of the note missing from file. | WASOS and XXXXXXXXX search dated XXXXXXXXX provided. |  | Client 08/14/2025 10:58 AM; Please find employment confirmation. XXXXXX you. <br>Reviewer 08/14/2025 11:27 AM; <br>| 08/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149427 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXXXXXXXX XXXXX XXXXXXX XXXXXXX XXXXX statement missing from the file. XXXXXXX note guidelines require consecutive statements. XXX statement is not provided, loan is ineligible. XXXXXXXXXXXXXXXXX XXXXX XXX XXX XXXX XXXXXXXXXXXXXXXX | August statement provided matches XXXX statement summary used to qualify. |  | Client 08/14/2025 10:55 AM; Please find XXXX XXXX statement. XXXXXX you. <br>Reviewer 08/14/2025 11:26 AM; <br>| 08/14/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149305 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/07/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | 7149239 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero and XXXX tolerance violation of XXXXXXXXXXX XXXXX tolerance violation of XXXXXX due to addition of transfer tax and appraisal review fee with no valid coc (coc does not give valid reason for addition of fees) XXXX violation of XXXXXXXXXX due to increase in recording fee with no valid coc (coc does not give valid reason for increase in fee). XXXXXXX provide evidence of XXXXXXXXXX refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided |  | Reviewer 07/30/2025 12:29 PM; Received XXXXXXXXXXX XXXXXXXX the loan does not affect the transfer taxes. XXXXXXXXX received" is not a valid reason for the addition of the appraisal review fee. XXXXXXXXX are not valid. XXXXXXX is required <br>| 08/07/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | 7149486 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Seller contributions XXXXXXXX exceed actual closing costs XXXXXXXXXXX |  | Client waived seller concession exceeding the actual closing cost. XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX max allowed is XXXXX reserves XXXXXXXXXXXXX XXXXXXX months) required XX months. | Client 07/30/2025 12:30 PM; How can we cure this? <br>Reviewer 07/30/2025 02:07 PM; Provide XXXXX and proof of excess funds sent to the seller. <br>Reviewer 07/30/2025 02:07 PM; <br>Client 08/07/2025 03:56 PM; Can we write an exception for excess seller credit? XXX allow interested party contributions. XXXXXX you. <br>Reviewer 08/07/2025 05:27 PM; <br>Client 08/12/2025 08:07 AM; We are not refunding the money and will not require XXXXXXX XXX provided an approved exception. <br>Reviewer 08/12/2025 08:35 AM; Condition has been reviewed. XXX<br>|  |  | 08/12/2025 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | 7149879 | 392 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Missing documentation to verify the borrower''''s current residence, that is owned free and clear, taxes are paid current for a complete XXXXXXXXX housing payment history as required per guidleines. | Property report pulled showing property free |  |  | 08/06/2025 |  |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | 7151116 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception for XXXXX time investor with no housing history, living rent free with domestic partner since XXXXXXXXXX |  | Compensating factors: XXXXX XXXX is XXX points over minimum matrix tier XXXX and XXXXXXXXX minimum of XX months or greater from borrower own funds which are > XX month required reserves. |  |  |  | 08/09/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5546.25 | 05/08/2025 | 7.369% | Self-Employed |  | US Citizen |  |  |  | Yes | $35585.74 |
| 1141082 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3067.63 |
| 1141069 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 06/16/2025 | 10.162% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7218.58 |
| 1141064 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1141068 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/16/2025 | 7.327% | Self-Employed |  | US Citizen |  |  |  | Yes | $721813.68 |
| 1141071 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13104.89 |
| 1141091 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1141087 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 06/18/2025 | 8.718% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $20681.52 |
| 1141084 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11848.80 | 06/11/2025 | 9.786% | Self-Employed |  | Non Permanent Resident Alien | ITIN Card |  |  | Yes | $24735.89 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/19/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $27063.55 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/23/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 04/21/2025 | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 05/12/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/30/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/10/2025 | 0.00% | Employed | Retired | US Citizen |  | US Citizen |  | No |  |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/23/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/03/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/25/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/26/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/24/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/01/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/09/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/23/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 06/24/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/01/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 07/01/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1141070 | XXXXXXXXX | XXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 05/01/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $130946.48 |
| 1140826 | XXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 06/25/2025 | 8.523% | Self-Employed |  | US Citizen |  |  |  | Yes | $298361.84 |
| 1140837 | XXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 07/10/2025 | 7.642% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1141079 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9449.25 |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $15813.00 | 06/09/2025 | 7.667% | Self-Employed |  | US Citizen |  |  |  | Yes | $10734.39 |
| 1141086 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4782.10 | 05/13/2025 | 7.624% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $2660.84 |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $540478.93 |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7380.29 | 04/02/2025 | 7.39% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $78411.31 |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6765.38 |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6749.75 | 06/06/2025 | 8.511% | Self-Employed |  | US Citizen |  |  |  | Yes | $2800.77 |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2064.36 | 06/23/2025 | 7.764% | Self-Employed |  | US Citizen |  |  |  | Yes | $6791.14 |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 07/10/2025 | 7.532% | Self-Employed |  | US Citizen |  |  |  | Yes | $577418.52 |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $3891.20 |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1140813 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 04/10/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $261356.05 |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 06/27/2025 | 8.097% | Self-Employed |  | US Citizen |  |  |  | Yes | $133124.68 |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $14670.84 |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $481711.62 |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $483697.33 |
| 1140832 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1140831 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9235.00 | 06/18/2025 | 7.92% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $29727.02 |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11350.00 | 04/03/2025 | 7.011% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6 - Schedule 4**

\

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | 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 | A | A | A | A | A | A | A | A | A | A |
| 1141082 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141069 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141064 | XXXXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141068 | XXXXXXXXX | XXXXXXX | XXXXXXX | 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 |
| 1141071 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141091 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141087 | XXXXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141084 | XXXXXXXXX | XXXXXXX | XXXXXX | 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 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | 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 |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | 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 |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX | 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 |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1141070 | XXXXXXXXX | XXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140826 | XXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140837 | XXXXXXX | XXXXXXX | XXXXXXX | 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 |
| 1141079 | XXXXXXXXX | XXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141086 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | 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 |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | 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 |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140813 | XXXXX | XXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140832 | XXXXX | XXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1140831 | XXXXX | XXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.6

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) | ![](evolve-logo.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** | **Run Date - 12/04/2025 4:28:50 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** |  |  |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1141072 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141082 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141069 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1141064 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141068 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1141071 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Excellent | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1141091 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141087 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1141084 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137421 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137374 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137375 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137350 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137433 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137385 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137454 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137460 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137356 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137461 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1137468 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137471 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1137405 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1137472 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137358 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 1137406 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1137359 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1137408 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137475 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1137368 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137413 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137480 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137481 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137483 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1137415 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1137488 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137417 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1137419 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1137420 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141070 | XXXXXXXXX | XXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1140826 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1140837 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1141079 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1141073 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141086 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 1141066 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004C | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1140808 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1140835 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1140816 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1140828 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1140830 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1140829 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1140836 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXX | 0.53% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1141078 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1141080 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1140813 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1141090 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1141083 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141088 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141065 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141067 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141074 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1140832 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1140831 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1141062 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1141063 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1140834 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1141075 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| 1141076 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -7.56% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Selene 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:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by APF II Resi O4B, LLC ("Client"). The review was conducted between February 2025 and April 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 3 Non-QM and 7 ATR-QM exempt loans for a total of 10 loans (the "Final Securitization Population").

*<u>Credit Reviews (10):</u>*

During the Review, Selene performed a credit review on 10 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (10)</u>*

During the Review, Selene performed a compliance review on 10 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (10):</u>*

During the Review, Selene performed a property valuation review on 10 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (10):</u>*

During the Review, Selene performed a Data Integrity Review on 10 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 10 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;10 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;10 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;10 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;10 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch"), S&P Global Ratings ("S&P") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Deephaven Correspondent Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines (collectively 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>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined 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.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

&nbsp;&nbsp;<br> **DATA INTEGRITY REVIEW**<br>

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 10 mortgage loans, (ii) a Compliance Review on 10 mortgage loans (iii) a Valuation Review on 10 mortgage loans, and (iv) a Data Integrity Review on 10 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 10 mortgage loans; 5 mortgage loans had a rating grade of A, 5 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** | &nbsp;&nbsp;***Grades per loan (10 overall loans):*** |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***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;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &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** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &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.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

Page **5** of **16**

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>THIRD 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;

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;

4. Reviewed for any employment issues and confirm
 that any issues have been addressed in the loan file;

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

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;&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;&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;&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 3.0, 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 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 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
 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

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1115954 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115950 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115950 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115926 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115975 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115975 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115975 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115946 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115946 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115949 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115949 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115971 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115971 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115971 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115897 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115896 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1115954 |  | XXXX | XXXX D A B |
| 1115950 |  | XXXX | XXXX A |
| 1115926 |  | XXXX | XXXX C A B |
| 1115977 |  | XXXX | XXXX D B A |
| 1115975 |  | XXXX | XXXX C A |
| 1115946 |  | XXXX | XXXX D A B |
| 1115949 |  | XXXX | XXXX D A B |
| 1115971 |  | XXXX | XXXX A |
| 1115897 |  | XXXX | XXXX D A B |
| 1115896 |  | XXXX | XXXX A |

---

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 1115954 |  |  | Closed | 2025-02-24 05:59 | 2025-03-06 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Lender provided EIN document. Finding resolved. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. ein form attached. - Buyer-03/05/2025 <br>Counter-Upon review of LLC docs provided, Business EIN is not present. Please provide. Finding countered. - Due Diligence Vendor-03/01/2025 <br>Ready for Review-Document Uploaded. llc DOCS - Buyer-02/27/2025 <br>Open-Please provide Business Entity EIN. - Due Diligence Vendor-02/24/2025 |  | Resolved-Lender provided EIN document. Finding resolved. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Investment | Purchase NA | 3467630 | N/A | N/A |
| XXXX | 1115954 |  |  | Closed | 2025-02-21 04:57 | 2025-02-26 14:24 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/26/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-02/26/2025 <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. Initial Business Purpose Affidavit Disclosure is missing - Due Diligence Vendor-02/24/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Investment | Purchase NA | 3459506 | Originator Post-Close | No |
| XXXX | 1115926 |  |  | Closed | 2025-03-11 20:08 | 2025-03-17 07:28 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Tax amount of $XXXX due to purchase more conservative - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Market rent $XXXX / $XXXX (P/I - XXXX + tax XXXX+ Ins XXXX +HOA XXXX=1.127DSCR Ratio<br> Please note the difference is the tax amount of XXXX used<br>Please clear, thank you - Buyer-03/14/2025 <br> Open-Per 1007 on page 71 market rent is $XXXX/ $XXXX (P/I-XXXX +tax- XXXX +Insurance XXXX+ HOA-XXXX) = 1.388 vs tape data DSCR ratio of 1.127. DSCR worksheet was not provided - Due Diligence Vendor-03/12/2025 |  | Resolved-Tax amount of $XXXX due to purchase more conservative - Due Diligence Vendor-03/17/2025 | XXXX |  |  | XXXX | Investment | Purchase NA | 3587282 | N/A | N/A |
| XXXX | 1115926 |  |  | Closed | 2025-03-10 07:00 | 2025-03-11 20:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception is on page number: 1350 approved for 12-month housing history is approved. Borrower has 3 months in current primary and rent-free for 30+ years prior. LOX on page 757 - Due Diligence Vendor-03/10/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception is on page number: 1350 approved for 12-month housing history is approved. Borrower has 3 months in current primary and rent-free for 30+ years prior. LOX on page 757 - Due Diligence Vendor-03/10/2025<br>|  |  | 1: Credit Score is 780. Minimum required per guidelines is 740.<br> 2: Borrower have 27.11 months Reserves. Minimum required per guidelines is 3 months.<br> 3. LTV is 75%. Maximum allowed per guidelines is 80%.<br> 4. DSCR is 1.388. Minimum required per guidelines is 1. | XXXX | Investment | Purchase NA | 3567690 | Originator Pre-Close | Yes |
| XXXX | 1115926 |  |  | Closed | 2025-03-10 07:08 | 2025-03-11 20:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception on page:1350 for limited tradelines is approved. Borrower has 1 qualifying trade and current mortgage paid as agreed. - Due Diligence Vendor-03/10/2025 |  | Waived-Exception on page:1350 for limited tradelines is approved. Borrower has 1 qualifying trade and current mortgage paid as agreed. - Due Diligence Vendor-03/10/2025<br>|  |  | 1: Credit Score is 780. Minimum required per guidelines is 740.<br> 2: Borrower have 27.11 months Reserves. Minimum required per guidelines is 3 months.<br> 3. LTV is 75%. Maximum allowed per guidelines is 80%.<br> 4. DSCR is 1.388. Minimum required per guidelines is 1.<br>| XXXX | Investment | Purchase NA | 3567776 | Originator Pre-Close | Yes |
| XXXX | 1115977 |  |  | Closed | 2025-03-12 06:36 | 2025-03-19 06:32 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved- - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure uploaded for review. - Buyer-03/18/2025 <br>Open-Anti-Steering Disclosure is missing - Due Diligence Vendor-03/12/2025 |  |  | XXXX |  |  | XXXX | Primary Residence | Purchase NA | 3589536 | N/A | N/A |
| XXXX | 1115977 |  |  | Closed | 2025-03-12 02:41 | 2025-03-19 06:32 | 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-03/19/2025 <br>Ready for Review-Document Uploaded. Gap report/DM uploaded for review - Buyer-03/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/12/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase NA | 3588473 | N/A | N/A |
| XXXX | 1115975 |  |  | Closed | 2025-03-28 14:51 | 2025-04-04 12:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower had EM Deposit of $XXXX which is 10% of the $XXXX sales price. Meets GL 5.5.1. Resolved. - Due Diligence Vendor-04/04/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Borrower meets 10% minimum borrower contribution based on EMD deposit. See attached. - Buyer-04/03/2025 <br> Open-Borrower does not meet the 10% minimum borrower contribution as required in GL 5.5.1 No Housing History or Less than 12 Months Verified. Verified Borrower's own funds totaling $XXXX which is 4.69% of the $XXXX SP. <br>Housing History verified: Primary Housing History: Current address is rental at XXXX verified with Rental Account Statement on p 606 that reflects 8 payments and rental payments provided on pages 773-775. Lease Agreement - p 549-606. Prior address: XXXX - 5 years with no primary housing expense as explained on the LOX on p 612-613.<br> - Due Diligence Vendor-03/28/2025 |  | Resolved-Borrower had EM Deposit of $XXXX which is 10% of the $XXXX sales price. Meets GL 5.5.1. Resolved. - Due Diligence Vendor-04/04/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/04/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase NA | 3724008 | N/A | N/A |
| XXXX | 1115975 |  |  | Closed | 2025-03-28 14:49 | 2025-04-04 11:51 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Borrower had EM Deposit of $XXXX which is 10% of the $XXXX sales price. Resolved. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Borrower meets 10% minimum borrower contribution based on EMD deposit. See attached. - Buyer-04/03/2025 <br> Open-Borrower does not meet the 10% minimum borrower contribution as required in GL 5.5.1 No Housing History or Less than 12 Months Verified. Verified Borrower's own funds totaling $XXXX which is 4.69% of the $XXXX SP. - Due Diligence Vendor-03/28/2025 |  | Resolved-Borrower had EM Deposit of $XXXX which is 10% of the $XXXX sales price. Resolved. - Due Diligence Vendor-04/04/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase NA | 3723992 | N/A | N/A |
| XXXX | 1115975 |  |  | Closed | 2025-03-24 09:45 | 2025-04-04 06:41 | Resolved | 1 - Information B A | Credit | Doc Issue | Notice of Special Flood Hazards Disclosure is Incomplete | Resolved-Requested Notice of Special Flood Hazards Disclosure Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Signed Flood Cert uploaded for review. - Buyer-04/03/2025 <br>Open-Borrower signature missing in Notice of Special Flood Hazards Disclosure. - Due Diligence Vendor-03/24/2025 |  | Resolved-Requested Notice of Special Flood Hazards Disclosure Provided hence resolved. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase NA | 3680160 | N/A | N/A |
| XXXX | 1115975 |  |  | Closed | 2025-03-24 08:38 | 2025-03-28 14:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.643%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 545, 619 and the Final Closing disclosure on Pg#'s 107,. Rate lock date was entered correctly – see Pg#'s 634. An interior and exterior appraisal was completed for this property – see pg# 60, 76-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 829, 629. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/24/2025 |  | Resolved-The loan's (8.643%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 545, 619 and the Final Closing disclosure on Pg#'s 107,. Rate lock date was entered correctly – see Pg#'s 634. An interior and exterior appraisal was completed for this property – see pg# 60, 76-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 829, 629. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/24/2025<br>|  |  |  | XXXX | Primary Residence | Purchase NA | 3679082 | N/A | N/A |
| XXXX | 1115946 |  |  | Closed | 2025-03-27 23:25 | 2025-04-02 14:28 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-DH Acknowledges - Due Diligence Vendor-04/02/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. Business Purpose Affidavit attached, please waive the initial signed copy. XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-04/02/2025 <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. Provide initial signed Business Purpose Affidavit. Final Business Purpose Affidavit in file. - Due Diligence Vendor-03/28/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/02/2025 | XXXX |  |  | XXXX | Investment | Purchase NA | 3715591 | Investor Post-Close | No |
| XXXX | 1115949 |  |  | Closed | 2025-04-02 13:19 | 2025-04-03 12:20 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/03/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-04/03/2025 <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. The Initial Business Purpose Affidavit is missing. - Due Diligence Vendor-04/02/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/03/2025 |  |  |  | XXXX | Investment | Purchase NA | 3755463 | Investor Post-Close | No |
| XXXX | 1115897 |  |  | Closed | 2025-04-01 08:30 | 2025-04-04 15:29 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/04/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-04/04/2025 <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. Provide initial Business Purpose and Occupancy disclosure. Final Business Purpose and Occupancy disclosure in file.<br> - Due Diligence Vendor-04/01/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-04/04/2025 |  |  |  | XXXX | Investment | Purchase NA | 3740779 | Investor Post-Close | No |

---

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 |
| **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** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 1115954 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | $872.04 | $72.67 | $1752.00 | $146.00 | $0.00 | $1649.98 |  | N/A | XXXX | XXXX | $146.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.242 | 1.242 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | 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 | 70666.99 | 42.8 | 70666.99 | 42.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115950 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | $794.64 | $66.22 | $1308.00 | $109.00 | $0.00 | $2151.40 |  | N/A | XXXX | XXXX | $109.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 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 | 1.069 | 1.069 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | XXXX | EL SALVADOR | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  | ITIN-Legal Residency not validated |  |  |  | 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 | 50714.14 | 23.6 | 50714.14 | 23.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 1115926 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | Yes | 7.250% | XXXX | XXXX | $1118.04 | $93.17 | $1980.00 | $165.00 | $0.00 | $2040.16 |  | Yes | XXXX | XXXX | $165.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.388 | 1.127 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | 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 | 60953.07 | 27.1 | 60953.07 | 27.1 | No | 75 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115977 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/19/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.664% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $4647.96 | $387.33 | $5340.00 | $445.00 | $0.00 | $8730.81 | $22795.20 | N/A | XXXX | XXXX | $445.00 | XXXX | Monthly | 35.73% | 35.73% | 35.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2023 - 2023 | Borrower - 1 YR Executed 4506T Verified - 2023 - 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | 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 | 85062.98 | 9.7 | 85062.98 | 9.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115975 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/19/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.643% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $1829.04 | $152.42 | $6828.00 | $569.00 | $0.00 | $1903.35 | $4073.61 | Yes | XXXX | XXXX | $569.00 | XXXX | Monthly | 34.27% | 34.93% | 34.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 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 | Work Number |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Other - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | 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 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | 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 | 320438.02 | 168.4 | 17338.02 | 9.1 | No | 27.03 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115946 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1980.00 | $165.00 | $0.00 | $0.00 | $0.00 | $3290.44 |  | N/A | XXXX | XXXX | $0.00 | 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 | 1.292 | 1.292 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | 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 | 936448.40 | 284.6 | 936448.40 | 284.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115949 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1980.00 | $165.00 | $0.00 | $0.00 | $0.00 | $3290.44 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.276 | 1.276 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | 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 | 466960.97 | 141.9 | 461960.97 | 140.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115971 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $5087.88 | $423.99 | $0.00 | $0.00 | $0.00 | $2934.99 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.148 | 1.148 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 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 |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | 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 | 105458.08 | 35.9 | 105458.08 | 35.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115897 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1980.00 | $165.00 | $0.00 | $0.00 | $0.00 | $3299.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.334 | 1.334 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | 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 | 936448.40 | 283.8 | 936448.40 | 283.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115896 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.829% |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $1335.96 | $111.33 | $969.96 | $80.83 | $0.00 | $2606.59 | $21133.27 | N/A | XXXX | XXXX | $80.83 | XXXX | Annually | 20.98% | 21.13% | 21.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | N/A | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40038.74 | 15.4 | 40038.74 | 15.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.7

[APF II RESI O4B-24A, LLC ABS-15G](nqm1-abs15g_010226.htm)

**Exhibit 99.7 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 1115954 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| 1115950 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| 1115926 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  | XXXX |
| 1115977 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 | XXXX |
| 1115975 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 27.03 | 27.03 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| 1115946 |  |  | 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 Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| 1115949 |  |  | 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 Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| 1115971 |  |  | 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 Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 1115897 |  |  | 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 Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| 1115896 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---