# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-25-007382
**Filing Date:** 2025-6
**Character Count:** 3739691
**Document Hash:** 2766654a606576c7df7ab5dac2c593b8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-007382.hdr.sgml**: 20250606

**ACCESSION NUMBER**: 0001999371-25-007382

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

**PUBLIC DOCUMENT COUNT**: 52

**CONFORMED PERIOD OF REPORT**: 20250606

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

**FILED AS OF DATE**: 20250606

**DATE AS OF CHANGE**: 20250606

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 251031958

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>MORGAN STANLEY CAPITAL I INC.</u>**

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 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>0001547361</u> |

---

<u>MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM4</u> <br> (Exact name of issuing entity as specified in its charter)

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

Chris Scott, (212) 761-4940

------

Name and telephone number, including area code, of the person 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.

**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.

---

| | | |
|:---|:---|:---|
| MORGAN STANLEY CAPITAL I INC. |  |  |
| Date: June 6, 2025 | By: | /s/ Chris Scott |
|  | Name: | Chris Scott |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 Third Party Due Diligence Report - Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm)

[99.2 Third Party Due Diligence Report - AMC Diligence, LLC Executive Summary](ex99-2.htm)

[Schedule 1 - Exception Grades Report](ex99-2s1.htm)

[Schedule 2 - Rating Agency Grades Report](ex99-2s2.htm)

[Schedule 3 - Data Compare Report](ex99-2s3.htm)

[Schedule 4 - Valuation Summary Report](ex99-2s4.htm)

[Schedule 5 - Supplemental Report](ex99-2s5.htm)

[99.3 Third Party Due Diligence Report – Clarifii LLC Due Diligence Narrative Report](ex99-3.htm)

[Schedule 1 - Rating Agency Grades Detail Report](ex99-3s1.htm)

[Schedule 2 - Rating Agency Grades Summary Report](ex99-3s2.htm)

[Schedule 3 - Data Compare Report](ex99-3s3.htm)

[Schedule 4 - ATR QM Report](ex99-3s4.htm)

[Schedule 5 - Valuation Report](ex99-3s5.htm)

[99.4 Third Party Due Diligence Report – Clayton Services LLC Due Diligence Narrative Report](ex99-4.htm)

[Schedule 1 - Non ATR QM Upload Report](ex99-4s1.htm)

[Schedule 2 - Conditions Report](ex99-4s2.htm)

[Schedule 3 - Loan Level Tape Compare Report](ex99-4s3.htm)

[Schedule 4 - Rating Agency ATR QM Report](ex99-4s4.htm)

[Schedule 5 - Valuation Summary Report](ex99-4s5.htm)

[Schedule 6 - Waived Conditions Report](ex99-6s4.htm)

[99.5 Third Party Due Diligence Report – Consolidated Analytics, Inc. Executive Summary](ex99-5.htm)

[Schedule 1 - Due Diligence Standard Report](ex99-5s1.htm)

[Schedule 2 - Rating Agency Grades Summary Report](ex99-5s2.htm)

[Schedule 3 - Valuations Summary Report](ex99-5s3.htm)

[Schedule 4 - Data Compare Report](ex99-5s4.htm)

[99.6 Third Party Due Diligence Report – Digital Risk Narrative](ex99-6.htm)

[Schedule 1 - Data Integrity Report](ex99-6s1.htm)

[Schedule 2 - Rebuttal Findings Report](ex99-6s2.htm)

[Schedule 3 - Rating Agency Grades Report](ex99-6s3.htm)

[Schedule 4 - Valuation Report](ex99-6s4.htm)

[99.7 Third Party Due Diligence Report – Selene Diligence LLC Due Diligence Narrative Report](ex99-7.htm)

[Schedule 1 - Rating Agency Grades Summary Report](ex99-7s1.htm)

[Schedule 2 - Valuation Report](ex99-7s2.htm)

[Schedule 3 - Data Compare Report](ex99-7s3.htm)

[Schedule 4 - Standard Findings Report](ex99-7s4.htm)

[Schedule 5 - Supplemental Data Extract Report](ex99-7s5.htm)

## Exhibit 99.1

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.1**

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| | | |
|:---|:---|:---|
| ![](ex991001.jpg) | **Ernst & Young LLP**<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

---

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor") 6 June 2025

Morgan Stanley Capital I Inc. (the "Depositor")

Morgan Stanley & Co. LLC (the "Initial Purchaser")

1585 Broadway, 24<sup>th</sup> Floor

New York, New York 10036

---

| | |
|:---|:---|
| **Re:** | **Morgan Stanley Residential Mortgage Loan Trust 2025-NQM4 (the "Issuing Entity")** |

---

**Mortgage Pass-Through Certificates, Series 2025-NQM4 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Sponsor, Depositor and Initial Purchaser (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Initial Purchaser, on behalf of the Depositor, provided us with:

a. Electronic
 data files (collectively, the "Provided Data Files"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled
 "MSRM 2025-NQM4 Population.xlsx" (the "Loan Listing Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of
 identification numbers (each, an "Investor Loan ID") relating to certain
 mortgage loans (the "Base Preliminary Mortgage Loans") that are expected
 to be representative of the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "MSRM
 2025-NQM4 Rating Agency.xlsx" and the corresponding record layout and decode information,
 as applicable (the "Base Preliminary Data File"), that the Initial Purchaser,
 on behalf of the Depositor, indicated contains information as of 1 June 2025
 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary
 Mortgage Loans"), that are expected to be representative of the Mortgage Loans,

---

| | |
|:---|:---|
| ![](ex991001.jpg) | Page 2 of 3 |

---

b. An
 electronic data file labeled "Loan ID Mappings.xlsx" and the corresponding
 record layout and decode information, as applicable (the "Loan ID Mapping
 File"), that the Initial Purchaser, on behalf of the Depositor, indicated contains
 loan ID information corresponding to certain Mortgage Loans,

c. Imaged
 copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory
 note (the "Note"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Credit
 report (the "Credit Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan
 application, occupancy affidavit, warranty deed and/or commercial loan application (collectively
 and as applicable, the "Application"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Underwriting
 summary, summary of findings, loan product advisor feedback certificate and/or conditional
 underwriting approval (collectively and as applicable, the "Underwriting Summary"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal
 report and/or property application (collectively and as applicable, the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Fraud
 report (the "Fraud Report") and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Settlement
 statement or closing disclosure (collectively and as applicable, the "Settlement
 Statement")

that the Initial Purchaser, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

d. The
 list of relevant characteristics (the "Sample Characteristics") on the
 Preliminary Data File (as defined in Attachment A), which is shown on Exhibit 1
 to Attachment A, and

e. Instructions,
 assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Loan ID Mapping File, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Loan Listing Data File, Loan ID Mapping File, Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Initial Purchaser, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Base Preliminary Mortgage Loans, Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Initial Purchaser, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

---

| | |
|:---|:---|
| ![](ex991001.jpg) | Page 3 of 3 |

---

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying
 any criteria for due diligence published by a nationally recognized statistical rating
 organization (a "rating agency") or

b. Making
 any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether
 the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting
 or credit extension guidelines, standards, criteria, or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether
 the originator(s) of the Mortgage Loans complied with federal, state or local laws or
 regulations or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any
 other factor or characteristic of the Mortgage Loans that would be material to the likelihood
 that the issuer of the Certificates will pay interest and principal in accordance with
 applicable terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

6 June 2025

---

| | |
|:---|:---|
| ![](ex991001.jpg) | **Attachment A** |

---

**<u>Procedures performed and our associated findings</u>**

1. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected
 a sample of 265 Base Preliminary Mortgage Loans from the Loan Listing Data File
 (the "Base Sample Mortgage Loans"). For the purpose of this procedure,
 the Initial Purchaser, on behalf of the Depositor, did not inform us as to the basis
 for how they determined the number of Base Sample Mortgage Loans or the methodology they
 instructed us to use to select the Base Sample Mortgage Loans from the Loan Listing Data
 File.

For the purpose of the procedures described in this report, the 265 Base Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 265.

2. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we appended the information
 for each Preliminary Mortgage Loan on the Base Preliminary Data File, as applicable,
 with the corresponding information contained on the Loan ID Mapping File, as applicable.

The Base Preliminary Data File, as adjusted, is hereinafter referred to as the "Preliminary Data File."

3. For
 each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared
 the Investor Loan ID, as shown on the Loan Listing Data File, to the corresponding Investor
 Loan ID, as shown on the Preliminary Data File, and noted that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 of the Preliminary Mortgage Loans included on the Preliminary Data File were included
 on the Loan Listing Data File,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 38
 of the Base Preliminary Mortgage Loans included on the Loan Listing Data File were not
 included on the Preliminary Data File (the "Removed Base Preliminary Mortgage Loans")
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Seven
 of the Removed Base Preliminary Mortgage Loans were Base Sample Mortgage Loans (the "Removed
 Base Sample Mortgage Loans").

The Removed Base Sample Mortgage Loans were Sample Mortgage Loan Numbers 9, 10, 11, 12, 13, 14 and 15. The 258 Base Sample Mortgage Loans included on the Preliminary Data File are hereinafter referred to as the "Sample Mortgage Loans."

4. For
 each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1
 to Attachment A, as shown on the Preliminary Data File, to the corresponding information
 located in, or to the corresponding information we recalculated using information located
 in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions,
 assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor,
 described in the notes to Exhibit 1 to Attachment A. The Source Document(s)
 that we were instructed by the Initial Purchaser, on behalf of the Depositor, to use
 for each Sample Characteristic are shown on Exhibit 1 to Attachment A. Except
 for the information shown on Exhibit 2 to Attachment A, all such compared information
 was found to be in agreement.

**Exhibit 1 to Attachment A**

Page 1 of 7

**<u>Sample Characteristics and Source Documents</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** | **Note(s)** |
| Loan number | Investor Loan ID | Note | &nbsp;&nbsp;i. |
| Original principal balance | Original Loan Amount | Note |  |
| Original interest rate | Original Interest Rate | Note |  |
| First payment date | First Payment Date of Loan | Note |  |
| Maturity date | Maturity Date | Note |  |
| Property state | State | Note |  |
| Property zip code | Postal Code | Note |  |
| Original term | Original Term to Maturity | (a) Note or <br> (b) Note and recalculation<br>| &nbsp;&nbsp;ii. |
| Original interest only term | Original Interest Only Term | (a) Note or <br> (b) Note and recalculation  | &nbsp;&nbsp;iii. |
| Prepayment charge term | Prepayment Penalty Total Term | Note |  |
| Occupancy status | Occupancy | Application or Underwriting Summary | &nbsp;&nbsp;iv., v. |
| Appraisal value | Original Appraised Property Value | (a) Appraisal or <br> (b) Appraisal and recalculation  | &nbsp;&nbsp;vi., vii. |
| Property type | Property Type | Appraisal or Underwriting Summary | &nbsp;&nbsp;vi., viii. |
| Sale price | Sales Price | Settlement Statement | &nbsp;&nbsp;ix. |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or Recalculation | &nbsp;&nbsp;iv., x. |
| Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application, Settlement Statement or Credit Report | &nbsp;&nbsp;iv., ix., xi. |
| Index description | Index Type | Note | &nbsp;&nbsp;xii. |
| Gross margin | Gross Margin | Note | &nbsp;&nbsp;xii. |

---

**Exhibit 1 to Attachment A**

Page 2 of 7

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| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** | **Note(s)** |

---

---

| | | | |
|:---|:---|:---|:---|
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or <br> (b) Note and recalculation  | &nbsp;&nbsp;xii., xiii. |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | (a) Note or<br>(b) Note and recalculation  | &nbsp;&nbsp;xii. |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or <br> (b) Note and recalculation<br>| &nbsp;&nbsp;xii., xiv. |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation | &nbsp;&nbsp;xii., xv. |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note | &nbsp;&nbsp;xii. |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note | &nbsp;&nbsp;xii. |
| Maximum interest rate | Lifetime Maximum Rate Ceiling | Note | &nbsp;&nbsp;xii. |
| Minimum interest rate | Lifetime Minimum Rate Floor | Note or Settlement Statement | &nbsp;&nbsp;ix., xii., xvi. |
| Original loan-to-value ratio | Original LTV | Recalculation | &nbsp;&nbsp;xvii., xviii., xx. |
| Combined loan-to-value ratio | Original CLTV | Recalculation | &nbsp;&nbsp;xvii., xix., xx. |

---

**Exhibit 1 to Attachment A**

Page 3 of 7

**<u>Notes</u>:**

i. For
 identification purposes only.

ii. For
 the purpose of comparing the original term Sample Characteristic for each Sample Mortgage
 Loan that does not have the original term specifically stated in the Note, the Initial
 Purchaser, on behalf of the Depositor, instructed us to recalculate the original term
 as the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the maturity date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iii. For
 the purpose of comparing the original interest only term Sample Characteristic for each
 Sample Mortgage Loan that does not have the original interest only term specifically
 stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the original interest only term as the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the interest only end date and first payment date, both
 as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iv. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, provided one or more Applications.
 For the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan with more than one Application, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the most recent Application as the Source Document (and in accordance
 with any other applicable note(s)).

v. For
 the purpose of comparing the occupancy status Sample Characteristic for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement
 if the value on the Preliminary Data File agreed with the corresponding information in
 at least one of the Source Documents listed for such Sample Characteristic (and in accordance
 with any other applicable note(s)). We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the occupancy
 status Sample Characteristic.

vi. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, provided one or more Appraisals.
 For the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan with more than one Appraisal, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the Appraisal with the lowest appraisal value as the Source Document
 (and in accordance with any other applicable note(s)).

**Exhibit 1 to Attachment A**

Page 4 of 7

**<u>Notes</u>:** (continued)

vii. For
 Sample Mortgage Loan Numbers 16, 78, 85, 97, 159, 198, 217, 223, 225 and 229, the Initial
 Purchaser, on behalf of the Depositor, provided an Appraisal for each mortgaged property
 relating to the Sample Mortgage Loan. For the purpose of comparing the appraisal value
 Sample Characteristic for Sample Mortgage Loan Numbers 16, 78, 85, 97, 159, 198, 217,
 223, 225 and 229, the Initial Purchaser, on behalf of the Depositor, instructed us to
 use the sum of the appraisal values for the related mortgaged properties, as shown in
 the corresponding Appraisals (and in accordance with any other applicable note(s)).

viii. For
 the purpose of comparing the property type Sample Characteristic for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement
 if the value on the Preliminary Data File agreed with the corresponding information in
 at least one of the Source Documents listed for such Sample Characteristic (and in accordance
 with any other applicable note(s)). We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the property
 type Sample Characteristic.

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "dPUD" if the property is attached and a PUD, both as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "Townhouse" if the property is attached and is not a PUD, both as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "Single Family Detached (non-PUD)" if the property is attached and the design style is colonial, both as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan with a type of "S-Det./End Unit" and a design (style) of "Row", "Duplex", "Twin" or "Twnhse," as shown in the Appraisal, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "1 Family Attached."

ix. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, provided one or more Settlement
 Statements. For the purpose of comparing the indicated Sample Characteristics for each
 Sample Mortgage Loan with more than one Settlement Statement the Initial Purchaser, on
 behalf of the Depositor, instructed us to use the most recent Settlement Statement as
 the Source Document (and in accordance with any other applicable note(s)).

**Exhibit 1 to Attachment A**

Page 5 of 7

**<u>Notes</u>:** (continued)

x. For
 the purpose of comparing the loan purpose Sample Characteristic for each Sample Mortgage
 Loan with a loan purpose of "First Time Home Purchase" or "Other-than-first-time
 Home Purchase," as shown on the Preliminary Data File (each, a "Purchase
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding
 information in the Application, Credit Report or Fraud Report (and in accordance with
 any other applicable note(s)). We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the loan
 purpose Sample Characteristic for any Purchase Sample Mortgage Loan.

For each remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Sum
 of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Unpaid
 principal balance of any previous mortgage loan that is being refinanced, as shown in
 the Settlement Statement (and in accordance with any other applicable note(s)) and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total
 closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement
 Statement (and in accordance with any other applicable note(s)

For each Refinanced Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Refinance
 – Cash Out" if the Amount to Borrower is greater than the lesser of (i) $2,000
 and (ii) 1% of the original principal balance, as shown in the Note, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Refinance
 – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

xi. For
 the purpose of comparing the junior lien balance Sample Characteristic for each Sample
 Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note
 agreement if the value on the Preliminary Data File agreed with the corresponding information
 in at least one of the Source Documents listed for such Sample Characteristic (and in
 accordance with any other applicable note(s)). We performed no procedures to reconcile
 any differences that may exist relating to the information in the Source Documents relating
 to the junior lien balance Sample Characteristic.

**Exhibit 1 to Attachment A**

Page 6 of 7

**<u>Notes</u>:** (continued)

xii. For
 the purpose of comparing the indicated Sample Characteristics (collectively, the "ARM
 Sample Characteristics") for each Sample Mortgage Loan with a gross margin value
 greater than "0.000(%)," as shown in the Note (each, an "ARM
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to use the indicated Source Document(s) (and in accordance with any other applicable
 note(s)).

The Initial Purchaser, on behalf of the Depositor, instructed us not to perform any procedures with respect to the ARM Sample Characteristics for any Sample Mortgage Loan that is not an ARM Sample Mortgage Loan (each, a "FRM Sample Mortgage Loan").

xiii. For
 the purpose of comparing the initial fixed rate period Sample Characteristic for each
 ARM Sample Mortgage Loan that does not have the initial fixed rate period specifically
 stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the initial fixed rate period as the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the first rate change date and first payment date, both
 as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

xiv. For
 the purpose of comparing the initial interest rate cap change up Sample Characteristic
 for each ARM Sample Mortgage Loan that does not have the initial interest rate cap change
 up specifically stated in the Note, the Initial Purchaser, on behalf of the Depositor,
 instructed us to recalculate the initial interest rate cap change up as the difference
 between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Initial
 rate adjustment maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Original
 interest rate,

both as shown in the Note.

xv. For
 the purpose of comparing the initial interest rate cap change down Sample Characteristic
 for each ARM Sample Mortgage Loan that does not have the initial interest rate cap change
 down specifically stated in the Note, the Initial Purchaser, on behalf of the Depositor,
 instructed us to recalculate the initial interest rate cap change down as the maximum
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference between 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;(1) Original
 interest rate 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;(2) Initial
 rate adjustment minimum interest rate,

both as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 0.000(%).

**Exhibit 1 to Attachment A**

Page 7 of 7

**<u>Notes</u>:** (continued)

xvi. For
 the purpose of comparing the minimum interest rate Sample Characteristic for each ARM
 Sample Mortgage Loan that does not have the minimum interest rate specifically stated
 in the Note or Settlement Statement (and in accordance with any other applicable note(s)),
 the Initial Purchaser, on behalf of the Depositor, instructed us to use the gross margin,
 as shown in the Note, as the minimum interest rate.

xvii. For
 each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed
 us to calculate the "Value for LTV" as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) In
 the case of a Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as
 shown in the Appraisal (and in accordance with any other applicable note(s)), and (2)
 sale price, as shown in the Settlement Statement (and in accordance with any other applicable
 note(s)),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) In
 the case of a Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers
 57, 59, 123, 198, 204 and 223), the appraisal value, as shown in the Appraisal (and in
 accordance with any other applicable note(s)) or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) In
 the case of Sample Mortgage Loan Numbers 57, 59, 123, 198, 204 and 223, the value used
 for LTV, as shown on the Preliminary Data File.

xviii. For
 the purpose of comparing the original loan-to-value ratio Sample Characteristic for each
 Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the original loan-to-value ratio by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Dividing
 the original principal balance, as shown in the Note, by the Value for LTV, as calculated
 herein, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Rounding
 the value calculated in (a) above to the fourth decimal place (X.XXXX).

xix. For
 the purpose of comparing the combined loan-to-value ratio Sample Characteristic for each
 Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the combined loan-to-value ratio by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summing
 the original principal balance, as shown in the Note, and junior lien balance, as shown
 in the applicable Source Document(s) (and in accordance with any other applicable note(s)),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Dividing
 the value calculated in (a) by the Value for LTV, as calculated herein, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Rounding
the value calculated in (b) above to the fourth decimal place (X.XXXX).

xx. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to ignore differences
 of +/- 0.0001 or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor, that are described in the notes above.

**Exhibit 2 to Attachment A**

Page 1 of 2

**<u>Sample Characteristic Differences</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Sample <br> Mortgage Loan <br> Number** | **Sample Characteristic** | **Preliminary Data File Value** | **Source Document Value** |
| 26 | Maturity date | 2/10/2055 | 2/1/2055 |
| 32 | Maturity date | 2/10/2055 | 2/1/2055 |
| 57 | Appraisal value | [Redacted] | [Redacted] |
| 58 | Appraisal value | [Redacted] | [Redacted] |
| 67 | Maturity date | 2/10/2055 | 2/1/2055 |
| 79 | Maturity date | 2/10/2055 | 2/1/2055 |
| 85 | Maturity date | 2/10/2055 | 2/1/2055 |
| 97 | Property zip code | [Redacted] | [Redacted] |
| 98 | Maturity date | 2/10/2055 | 2/1/2055 |
| 123 | Appraisal value | [Redacted] | [Redacted] |
| 126 | Maturity date | 1/10/2055 | 1/1/2055 |
| 135 | Maturity date | 1/10/2055 | 1/1/2055 |
| 152 | Maturity date | 2/10/2055 | 2/1/2055 |
| 159 | Maturity date | 1/10/2055 | 1/1/2055 |
| 164 | Initial interest rate cap change down | 2.750 | 2.000 |
| 165 | Maturity date | 2/10/2055 | 2/1/2055 |
|  | Initial interest rate cap change down | 5.000 | 0.000 |
| 169 | Maturity date | 2/10/2055 | 2/1/2055 |
| 170 | Maturity date | 1/10/2055 | 1/1/2055 |

---

**Exhibit 2 to Attachment A**

Page 2 of 2

---

| | | | |
|:---|:---|:---|:---|
| **Sample <br> Mortgage Loan <br> Number** | **Sample Characteristic** | **Preliminary Data File Value** | **Source Document Value** |
| 181 | Maturity date | 2/10/2055 | 2/1/2055 |
|  | Initial interest rate cap change down | 0.000 | 0.250 |
|  | Maximum interest rate | 12.800 | 12.550 |
|  | Minimum interest rate | 7.800 | 7.550 |
| 192 | Maturity date | 1/10/2055 | 1/1/2055 |
| 194 | Loan purpose | Other-than-first-time Home Purchase | First Time Home Purchase |
| 206 | Maturity date | 2/10/2055 | 2/1/2055 |
| 208 | Maturity date | 1/10/2055 | 1/1/2055 |
| 217 | Maturity date | 2/10/2055 | 2/1/2055 |
| 220 | Property type | 1 Family Attached | Townhouse |
| 225 | Maturity date | 2/10/2055 | 2/1/2055 |
| 226 | Maturity date | 1/10/2055 | 1/1/2055 |
| 227 | Maturity date | 1/10/2055 | 1/1/2055 |
| 230 | Maturity date | 2/10/2055 | 2/1/2055 |
|  | Property type | PUD | Townhouse |
|  | Initial interest rate cap change down | 5.000 | 0.000 |
| 237 | Maturity date | 2/10/2055 | 2/1/2055 |
| 240 | Appraisal value | [Redacted] | [Redacted] |
| 245 | Maturity date | 2/10/2055 | 2/1/2055 |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from August 2022 through May 2025 on mortgage loans with origination dates from June 2022 through April 2025. The Review included loans reviewed under the Credit and Compliance Scope (185 mortgage loans) and the Leases Review Scope (273 loans), and the Leases Review Scope with Limited Compliance (52 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

The Review was conducted on five hundred ten (510) mortgage loans with an aggregate original principal balance of approximately $246.719 million.

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

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

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;City | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Originator Loan Designation |  |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Margin | &nbsp;&nbsp;PITIA Reserves Months |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Prepayment Penalty |  |

---

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![](ex992001.jpg)

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

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

**<u>CREDIT REVIEW (185 Loans)</u>**

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

AMC reviewed asset origination documentation 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 guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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![](ex992001.jpg)

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines.

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

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

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

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

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

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

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

**<u>LEASES REVIEW (273 Loans)</u>**

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

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

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![](ex992001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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.

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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.

**Credit/Valuation/Limited Compliance Investment Occupancy Only (Exempt from ATR)**

This scope is limited to loans identified with an Occupancy type of Investment which is determined when the documentation provided in the loan file meets the following criteria:

● The consumer signed final 1003 reflects the occupancy as Investment; and

● The consumer's declarations on the final 1003 do not indicate that they intend to occupy the subject property; and

● The appraisal and occupancy certificate (if present in the loan file), do not indicate the consumer occupies or intends to occupy the subject property; and

● At least one of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 appraisal indicates the property is tenant occupied; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 file contains a business purpose certificate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 file contains an occupancy certificate attesting that the property will not be occupied
 as the consumer's primary residence or as the consumer's second home; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 file includes other documentation evidencing investment occupancy.

Loans that do not meet the above criteria will be transferred to one of the other Scopes for review.

**<u>COMPLIANCE REVIEW (185 Loans)</u>**

Please be advised that AMC will 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 will uncover 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 will uncover 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.

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 any report prepared by AMC does 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.

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AMC will review 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) 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.

**(II) State Compliance Review applicable to non-owner occupied loans:**

AMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>High Cost testing in Chicago Illinois and Cook County Illinois;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Higher Priced testing in Connecticut, and Minnesota;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Other applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and Vermont, and</u> 

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>State specific prepayment penalty and late charge testing applicable to non-owner occupied loans.</u> 

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

&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;

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ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>LEASES & LIMITED COMPLIANCE REVIEW (52 Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

**(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 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.).

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, LLC ("Kroll") and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY**

There were five hundred ten (510) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable DBRS and S&P NRSRO grading criteria, three hundred thirty-seven (337) (66.08%) loans had an Overall grade of "A", and one hundred seventy-three (173) (33.92%) loans had an Overall loan grade of "B". After all documents were presented under the applicable Kroll NRSRO grading criteria, three hundred thirty-six (336) (65.88%) loans had an Overall grade of "A", and one hundred seventy-four (174) (34.12%) loans had an Overall loan grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;337 | &nbsp;&nbsp;66.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;173 | &nbsp;&nbsp;33.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;336 | &nbsp;&nbsp;65.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;174 | &nbsp;&nbsp;34.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**COMPLIANCE RESULTS SUMMARY**

Note the two hundred seventy-three (273) Leases (without Limited Compliance) were not assigned a Compliance grade. Of the remaining two hundred thirty-seven (237) loans reviewed, under the applicable DBRS & S&P NRSRO grading criteria, one hundred thirteen (113) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;52.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;113 | &nbsp;&nbsp;47.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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Note the two hundred seventy-three (273) Leases (without Limited Compliance) were not assigned a Compliance grade. Of the remaining two hundred thirty-seven (237) loans reviewed, under the applicable Kroll NRSRO grading criteria, one hundred fourteen (114) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;51.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;114 | &nbsp;&nbsp;48.10% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT RESULTS SUMMARY**

Of the five hundred ten (510) mortgage loans, four hundred thirty-four (434) loans received an "A" Credit Review grade. The seventy-six (76) "B" Credit Review grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;434 | &nbsp;&nbsp;85.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;76 | &nbsp;&nbsp;14.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the five hundred ten (510) loans reviewed under the applicable DBRS & Kroll NRSRO grading criteria, 100.00% of the total received an "A" Property Review grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS & Kroll Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;510 | &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% |

---

Of the five hundred ten (510) loans reviewed under the applicable DBRS & Kroll NRSRO grading criteria, five hundred nine (509) (99.80%) of the total received an "A" Property Review grade. The one (1) "B" Property grade was due to the file contained a lower-level tertiary product that does not support the qualifying value. A higher level secondary valuation supporting the original appraised value was provided.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;509 | &nbsp;&nbsp;99.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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**EXCEPTION CATEGORY SUMMARY**

The tables 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;**DBRS Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;101 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**151** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***100*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**100** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**251** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Kroll Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;101 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***152*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**152** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***100*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**100** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**252** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**S&P Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;101 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**151** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***100*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**100** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &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;**252** |

---

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![](ex992001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred ten (510) mortgage loans reviewed, three hundred sixty-four (364) (71.37%) mortgage loans had tape discrepancies across fifty-one (51) unique data fields. The most common tape discrepancies were Note Date, Prepayment Penalty Period (months) and Property Type. AMC found generally that the DSCR and DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;327 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;20 | &nbsp;&nbsp;302 | &nbsp;&nbsp;6.62% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;284 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;169 | &nbsp;&nbsp;4.73% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;203 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;156 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;332 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;96 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;508 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;3 | &nbsp;&nbsp;100 | &nbsp;&nbsp;3.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;1 | &nbsp;&nbsp;100 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;102 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;100 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;333 | &nbsp;&nbsp;0.60% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;12 | &nbsp;&nbsp;501 | &nbsp;&nbsp;2.40% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;143 | &nbsp;&nbsp;1.40% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;4 | &nbsp;&nbsp;22 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;91 | &nbsp;&nbsp;18.68% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;26 | &nbsp;&nbsp;312 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;257 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;84 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;84 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;174 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |

---

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![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;142 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;44 | &nbsp;&nbsp;215 | &nbsp;&nbsp;20.47% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;235 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;86 | &nbsp;&nbsp;5.81% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;246 | &nbsp;&nbsp;0.41% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;124 | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;80 | &nbsp;&nbsp;325 | &nbsp;&nbsp;24.62% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;395 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;25 | &nbsp;&nbsp;310 | &nbsp;&nbsp;8.06% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;93 | &nbsp;&nbsp;17.20% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;11 | &nbsp;&nbsp;508 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;18 | &nbsp;&nbsp;509 | &nbsp;&nbsp;3.54% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;344 | &nbsp;&nbsp;3.49% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;163 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;37 | &nbsp;&nbsp;77 | &nbsp;&nbsp;48.05% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;145 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;331 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;166 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;7 | &nbsp;&nbsp;237 | &nbsp;&nbsp;2.95% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;78 | &nbsp;&nbsp;312 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;72 | &nbsp;&nbsp;502 | &nbsp;&nbsp;14.34% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;418 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;28 | &nbsp;&nbsp;198 | &nbsp;&nbsp;14.14% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;26 | &nbsp;&nbsp;509 | &nbsp;&nbsp;5.11% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;501 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;12 | &nbsp;&nbsp;500 | &nbsp;&nbsp;2.40% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;37 | &nbsp;&nbsp;214 | &nbsp;&nbsp;17.29% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;502 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**663** | &nbsp;&nbsp;**13718** | &nbsp;&nbsp;**4.83%** | &nbsp;&nbsp;**510** |

---

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![](ex992001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;491 | &nbsp;&nbsp;96.27% | &nbsp;&nbsp;$230351125.80 | &nbsp;&nbsp;93.37% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.73% | &nbsp;&nbsp;$16368235.00 | &nbsp;&nbsp;6.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;510 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$246719360.80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$163000.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;204 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$76783036.00 | &nbsp;&nbsp;31.12% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;$5947230.00 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;$11588444.00 | &nbsp;&nbsp;4.70% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;233 | &nbsp;&nbsp;45.69% | &nbsp;&nbsp;$133033295.80 | &nbsp;&nbsp;53.92% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;43 | &nbsp;&nbsp;8.43% | &nbsp;&nbsp;$19204355.00 | &nbsp;&nbsp;7.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$247500.00 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;$1131000.00 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;502 | &nbsp;&nbsp;98.43% | &nbsp;&nbsp;$240477218.80 | &nbsp;&nbsp;97.47% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;$4863642.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;227 | &nbsp;&nbsp;44.51% | &nbsp;&nbsp;$110983871.80 | &nbsp;&nbsp;44.98% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;39 | &nbsp;&nbsp;7.65% | &nbsp;&nbsp;$13864009.00 | &nbsp;&nbsp;5.62% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;$2176949.00 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;89 | &nbsp;&nbsp;17.45% | &nbsp;&nbsp;$56832541.00 | &nbsp;&nbsp;23.04% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;$870800.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;26 | &nbsp;&nbsp;5.10% | &nbsp;&nbsp;$8478725.00 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;64 | &nbsp;&nbsp;12.55% | &nbsp;&nbsp;$21352835.00 | &nbsp;&nbsp;8.65% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;$9212300.00 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.53% | &nbsp;&nbsp;$8657955.00 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.78% | &nbsp;&nbsp;$1941500.00 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;$12347875.00 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |

---

20 \| P a g e

![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;92 | &nbsp;&nbsp;18.04% | &nbsp;&nbsp;$99903227.80 | &nbsp;&nbsp;40.49% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;398 | &nbsp;&nbsp;78.04% | &nbsp;&nbsp;$137827853.00 | &nbsp;&nbsp;55.86% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$8988280.00 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**510** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246719360.80** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

![](situs.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 6/5/2025 1:47:33 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 218379378 | [Redact] | [Redact] | [Redact] | 26359151 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. |  |  |  |  |  | Buyer Comment (2022-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2022 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218379378 | [Redact] | [Redact] | [Redact] | 26359152 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2022-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2022 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218379378 | [Redact] | [Redact] | [Redact] | 26516336 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing the 2021 1040 IRS tax transcripts, as required by the guidelines, Note: the file contained a record of "No Results" for the 2021 1040's. 2020 1040 tax transcript is required. |  |  |  | Reviewer Comment (2022-08-22): Transcripts provided<br>Seller Comment (2022-08-22): (Rate Lock) 2020 Tax Transcripts | 08/22/2022 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218379378 | [Redact] | [Redact] | [Redact] | 26516337 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing the 2021 1040 IRS tax transcripts, as required by the guidelines, Note: the file contained a record of "No Results" for the 2021 1040's. 2020 1040 tax transcript is required. |  |  |  | Reviewer Comment (2022-08-22): Transcripts provided<br>Seller Comment (2022-08-22): (Rate Lock) 2020 Tax Transcripts | 08/22/2022 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218379378 | [Redact] | [Redact] | [Redact] | 26518080 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  |  |  | Reviewer Comment (2022-08-19): ARM disclosure provided<br>Seller Comment (2022-08-19): (Rate Lock) ARM docs | 08/19/2022 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218379378 | [Redact] | [Redact] | [Redact] | 26518100 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-16): Sufficient Cure Provided At Closing |  | 08/16/2022 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 218379378 | [Redact] | [Redact] | [Redact] | 26519173 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 2021 personal and business tax returns were filed prior to closing. Provide evidence that the tax payment due from the 1040 totaling [Redact] was paid, as well as evidence that the IRS has received the returns electronically. |  |  |  | Reviewer Comment (2022-08-23): Proof IRS payment made and returns accepted<br>Seller Comment (2022-08-23): (Rate Lock) 2021 IRS | 08/23/2022 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218784081 | [Redact] | [Redact] | [Redact] | 26868988 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. |  |  |  |  |  | Buyer Comment (2022-10-12): Waived on Rate Lock: Collateral cleared by Custodian | 10/12/2022 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218784081 | [Redact] | [Redact] | [Redact] | 26868989 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2022-10-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2022-10-07): (Rate Lock) [Redact] | 10/12/2022 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 218784081 | [Redact] | [Redact] | [Redact] | 26904569 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], 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 (2022-09-29): Sufficient Cure Provided At Closing |  | 09/29/2022 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 220144896 | [Redact] | [Redact] |  | 28592917 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | borrower signed LE [Redact] |  |  |  |  |  |  | 06/12/2023 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 220372664 | [Redact] | [Redact] |  | 28966430 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redact] and does not reflect a coverage amount on the title policy. |  |  |  |  |  |  | 08/22/2023 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 220372664 | [Redact] | [Redact] |  | 28966435 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance and Tax Verification for [Redact] |  |  |  | Reviewer Comment (2023-08-28): Proof of PITIA provided<br>Seller Comment (2023-08-24): Property docs | 08/28/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 220372664 | [Redact] | [Redact] |  | 28966436 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-sign Consent form |  |  |  | Reviewer Comment (2023-08-28): Proof of PITIA provided<br>Seller Comment (2023-08-24): E sign docs | 08/28/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 220372664 | [Redact] | [Redact] |  | 28966475 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 08/22/2023 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 220491973 | [Redact] | [Redact] |  | 29128393 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of HOA Verification for REO property [Redact] |  |  |  | Reviewer Comment (2023-10-05): Received HOA verification. Exception Cleared.<br>Seller Comment (2023-10-04): [Redact]: Please see attached HOA dues. The annual HOA assessment attached is the annual assessment plus a 10% late feel applied to the total without the late fee the annual HOA amount is [Redact] | 10/05/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 220491973 | [Redact] | [Redact] |  | 29128398 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing a copy of Insurance Verification for REO property [Redact] |  |  |  | Reviewer Comment (2023-10-06): Received corrected 1003, 1008 and Aus. Exception Cleared.<br>Seller Comment (2023-10-05): [Redact]: Please see attached corrected 1003 and AUS as this was incorrectly entered.<br>Reviewer Comment (2023-10-05): For [Redact] as per final 1003 total expenses [Redact]. If there is no insurance on property, please provide supporting document for [Redact] or revised final 1003. Exception Remains<br>Seller Comment (2023-10-04): [Redact]: [Redact] is vacant land and would not have an HOI as there is no dwelling to insure. Please see attached property profile which shows this. | 10/06/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 220491973 | [Redact] | [Redact] |  | 29128583 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. Note: file only contained pages 33-34 of 34 of the fraud report. |  |  |  | Reviewer Comment (2023-10-05): Received Fraud Report. Exception Cleared.<br>Seller Comment (2023-10-04): [Redact]: Please see attached fraud report. | 10/05/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 220681999 | [Redact] | [Redact] |  | 29467177 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  |  |  |  | 11/18/2023 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 220681999 | [Redact] | [Redact] |  | 29467178 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation mismatch due missing third party verification documentation. |  |  |  | Reviewer Comment (2023-12-01): Received Third party verification. Exception Cleared.<br>Seller Comment (2023-11-28): Please clear this based upon responses provided to the other exceptions | 12/01/2023 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 220681999 | [Redact] | [Redact] |  | 29467190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third party verification is missing from the file. |  |  |  | Reviewer Comment (2023-12-01): Received Third party verification. Exception Cleared.<br>Seller Comment (2023-11-28): Please see attached | 12/01/2023 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 220681999 | [Redact] | [Redact] |  | 29521161 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification is missing from the file. |  |  |  | Reviewer Comment (2023-12-01): Received Third party verification. Exception Cleared.<br>Seller Comment (2023-11-28): please see attached | 12/01/2023 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 220681999 | [Redact] | [Redact] |  | 29521167 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Third party verification is missing from the file. |  |  |  | Reviewer Comment (2023-12-01): Received Third party verification. Exception Cleared.<br>Seller Comment (2023-11-28): Please see attached | 12/01/2023 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 220681999 | [Redact] | [Redact] |  | 29521273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan is waterfalling to ATR/QM standard documentation requirement due to missing third party verification documentation. |  |  |  | Reviewer Comment (2023-12-01): Received Third party verification. Exception Cleared.<br>Seller Comment (2023-11-28): Please see attached | 12/01/2023 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 220741772 | [Redact] | [Redact] |  | 29631420 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-12-15): Secondary valuation obtained | 12/15/2023 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| 220745136 | [Redact] | [Redact] |  | 29632773 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-12-19): Secondary valuation obtained | 12/19/2023 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 220745136 | [Redact] | [Redact] |  | 29632856 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Copy of HOA Verification is not available in file. |  |  |  | Reviewer Comment (2023-12-19): HOA verification provided<br>Seller Comment (2023-12-19): HOA evidence | 12/19/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 220745136 | [Redact] | [Redact] |  | 29632857 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Copy of HOA Verification is not available in file. |  |  |  | Reviewer Comment (2023-12-19): HOA verification provided<br>Seller Comment (2023-12-19): HOA evidence | 12/19/2023 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 220856785 | [Redact] | [Redact] |  | 29803163 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | The appraisal in file is missing Color photos of Subject Property. |  |  |  | Reviewer Comment (2024-01-19): Received appraisal with color photos. Exception Cleared.<br>Seller Comment (2024-01-18): Colored Appraisal | 01/19/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 220892689 | [Redact] | [Redact] |  | 29916821 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-02-07): Secondary valuation obtained<br>Reviewer Comment (2024-02-06): CDA ordered at the time of initial reporting<br>Seller Comment (2024-02-06): [Redact] to complete CDA. | 02/07/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| 220892689 | [Redact] | [Redact] |  | 29916905 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/02/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| 220961651 | [Redact] | [Redact] | [Redact] | 29990826 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. |  |  |  |  |  | Buyer Comment (2024-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-03-11): Collateral delivered on [Redact] via [Redact] tracking number [Redact]. | 03/12/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 220961651 | [Redact] | [Redact] | [Redact] | 29990827 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-03-11): Collateral delivered on [Redact] via [Redact] tracking number [Redact]. | 03/12/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 220961651 | [Redact] | [Redact] | [Redact] | 30109859 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed [Redact] of title insurance Coverage; however, this is less than the loan amount of[Redact]. |  |  |  |  |  |  | 03/08/2024 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 221178117 | [Redact] | [Redact] |  | 30362846 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file was missing a copy of the 1008. |  |  |  | Reviewer Comment (2024-04-22): Received 1008. Exception Cleared.<br>Seller Comment (2024-04-19): Please see attached 1008 | 04/22/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| 221178117 | [Redact] | [Redact] |  | 30362871 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 04/15/2024 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| 221183343 | [Redact] | [Redact] |  | 30345636 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 04/12/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221183343 | [Redact] | [Redact] |  | 30375069 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 04/15/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221183343 | [Redact] | [Redact] |  | 30375070 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing a copy of the initial CD provided at least three business days prior to closing. Note: the earliest CD in file was issued [Redact]. |  |  |  | Reviewer Comment (2024-04-19): [Redact] received initial CD. .<br>Seller Comment (2024-04-17): Initial CDs | 04/19/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221183343 | [Redact] | [Redact] |  | 30375071 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Fee was added to the earliest CD in file issued [Redact] and the file did not contain a valid COC or proof of a cure. |  |  |  | Reviewer Comment (2024-04-18): [Redact] received updated CD with valid Changed circumstance dated [Redact].<br>Seller Comment (2024-04-17): No cure needed. [Redact] extension disclosed on [Redact] CD, [Redact] extension disclosed on [Redact] CD. | 04/18/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 221183419 | [Redact] | [Redact] |  | 30417597 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | e is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-04-29): Secondary valuation obtained | 04/29/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| 221183419 | [Redact] | [Redact] |  | 30417698 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/22/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| 221183419 | [Redact] | [Redact] |  | 30423450 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DU condition #10 was not met. DU reflects that 3 financed properties were used in determining the minimum reserve requirement, however, the borrower has 4 financed properties. DU requires resubmission. |  |  |  | Reviewer Comment (2024-04-26): Received updated AUS. Exception Cleared.<br>Seller Comment (2024-04-24): Revised AUS | 04/26/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| 221216453 | [Redact] | [Redact] | [Redact] | 30414285 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 221216453 | [Redact] | [Redact] | [Redact] | 31179737 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected after [Redact], the declared end date. |  |  |  | Reviewer Comment (2024-08-06): Post-disaster inspection provided<br>Seller Comment (2024-08-06): (Rate Lock) Please review the attached PDI Report. | 08/06/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 221216453 | [Redact] | [Redact] | [Redact] | 31180085 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/22/2024 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 221216453 | [Redact] | [Redact] | [Redact] | 31180086 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of 46.42455% exceeds Guideline total debt ratio of 45.00000%. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | [Redact] 24 months reserves where [Redact] is required. (2x)<br>Job stability 20 years in the industry<br>FICO 799 where the minimum is 680 | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2024-07-25): Client elected to waive the condition with the following Compensating factors:<br> [Redact] 24 months reserves where [Redact] is required. (2x) <br> Job stability 20 years in the industry <br> Investor Experience: tenured property management experience with estimated REO equity of [Redact]<br> FICO 799 where the minimum is 680 |  |  | 07/25/2024 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 221222729 | [Redact] | [Redact] | [Redact] | 30420170 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-05-02): Title Policy [Redact]<br>Seller Comment (2024-05-02): Note Tracking# [Redact] - Delivered on [Redact] | 05/02/2024 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221222729 | [Redact] | [Redact] | [Redact] | 30471574 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-05-06): Secondary valuation obtained<br>Reviewer Comment (2024-05-03): No additional comments are needed. Client has provided consent to order all CDA's for this deal. The CDA was ordered when the loan was initially reported and the condition will be updated when the CDA is received.<br>Seller Comment (2024-05-02): Please order the CDA, Thanks | 05/06/2024 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221222729 | [Redact] | [Redact] | [Redact] | 30485705 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/30/2024 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221244438 | [Redact] | [Redact] | [Redact] | 30456290 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-06-14): Waived on Rate Lock: Collateral cleared by Custodian | 06/14/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 221244438 | [Redact] | [Redact] | [Redact] | 30706103 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/06/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 221263300 | [Redact] | [Redact] | [Redact] | 30485290 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-05-10): Note Tracking# [Redact] - Delivered [Redact] | 05/13/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 221263882 | [Redact] | [Redact] |  | 30503041 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-05-17): Secondary valuation obtained | 05/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 221263882 | [Redact] | [Redact] |  | 30503050 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Please provide additional consecutive statement. AUS required 2 months. |  |  |  | Reviewer Comment (2024-05-16): Revised DU removing account not fully documented provided<br>Seller Comment (2024-05-14): Revised AUS | 05/16/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 221263882 | [Redact] | [Redact] |  | 30503077 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of Lease Agreement for REO property. |  |  |  | Reviewer Comment (2024-05-15): Received lease agreement. Exception Cleared.<br>Seller Comment (2024-05-13): [Redact] Lease Agreement | 05/15/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 221263882 | [Redact] | [Redact] |  | 30503171 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-05-28): Received RCA. Exception Cleared.<br>Seller Comment (2024-05-23): RCE | 05/28/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 221263882 | [Redact] | [Redact] |  | 30527075 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | DU requires 2 months consecutive statements for depository assets; file only contained one months' statement for checking account. |  |  |  | Reviewer Comment (2024-05-16): Revised DU removing account not fully documented provided | 05/16/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 221268589 | [Redact] | [Redact] |  | 30505336 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/06/2024 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221272126 | [Redact] | [Redact] |  | 30503655 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 05/04/2024 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 221272147 | [Redact] | [Redact] |  | 30502912 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-05-22): Secondary valuation obtained | 05/22/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| 221272147 | [Redact] | [Redact] |  | 30502932 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 05/03/2024 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| 221274226 | [Redact] | [Redact] | [Redact] | 30502887 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-10): Waived on Rate Lock: Collateral cleared by Custodian | 05/10/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221274226 | [Redact] | [Redact] | [Redact] | 30511364 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of Insurance Verification, Tax Verification for REO property located at [Redact] |  |  |  | Reviewer Comment (2024-05-14): Received Property History Report. Exception Cleared.<br>Seller Comment (2024-05-10): This is a commercial building where current business is located. Free and Clear . Insurance isn't required. | 05/14/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221288699 | [Redact] | [Redact] |  | 30522714 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2024-05-22): Secondary valuation obtained | 05/22/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| 221288699 | [Redact] | [Redact] |  | 30523349 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redact] missing evidence of receipt. |  |  |  |  |  |  | 05/09/2024 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| 221291208 | [Redact] | [Redact] | [Redact] | 30519142 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-05-13): [Redact] | 05/14/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 221297964 | [Redact] | [Redact] | [Redact] | 30526796 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-06-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-06-12): (Rate Lock) [Redact] - 1ST LIEN NOTE DELIVERED [Redact] PER [Redact] [Redact] | 06/17/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 221320372 | [Redact] | [Redact] |  | 30575325 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-06-03): Secondary valuation obtained | 06/03/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221329145 | [Redact] | [Redact] | [Redact] | 30576976 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-24): Waived on Rate Lock: Collateral cleared by Custodian | 05/24/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 221329145 | [Redact] | [Redact] | [Redact] | 30588270 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-05-29): Secondary valuation obtained<br>Seller Comment (2024-05-24): Comment log missing on note condition. Adding note tracking here. | 05/29/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 221329145 | [Redact] | [Redact] | [Redact] | 30589642 |  | Credit | Guideline | Guideline Issue | Guideline | DU/DO or LP/LPA Rating/Result is ineligible for a Second Home or Investment Property on GSE loans. |  | We do not have DU with approve/eligible (1008 states DU, Loan data 1,2&3 are blank at the time of review). Require DU with approve/eligible result. |  |  |  | Reviewer Comment (2024-05-29): Lender response identified LP used to qualify<br>Seller Comment (2024-05-24): Can you please waive. We delivered this Freddie not Fannie. Attached LP AUS | 05/29/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 221329157 | [Redact] | [Redact] | [Redact] | 30576999 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-24): Waived on Rate Lock: Collateral cleared by Custodian | 05/24/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221329157 | [Redact] | [Redact] | [Redact] | 30588231 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of [Redact] is less than AUS Available for Reserves of [Redact]. The issue appears is due to the "Calculating Cash to Close" section on page 3 of the final CD. The Down Payment/Funds from Borrower is [Redact] and not [Redact] and the Cash to Close is [Redact] and not [Redact] as disclosed on page 1 and in the Summaries of Transactions section on page 3. Provide a post-close CD and a copy of the settlement statement confirming the correct amounts. |  |  |  | Reviewer Comment (2024-06-04): Final CD provided. Exception cleared.<br>Seller Comment (2024-06-03): Final LP<br>Seller Comment (2024-06-03): Final LP Findings and Final CD | 06/04/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221330531 | [Redact] | [Redact] |  | 30634140 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the primary. The payment disclosed on the credit report was used to qualify; however if taxes and insurance are not included, additional documentation is required. |  |  |  | Reviewer Comment (2024-06-07): Received mortgage statement and Tax/Insurance documents. Exception Cleared.<br>Seller Comment (2024-06-05): MORT STATEMENT FOR [Redact]<br>Reviewer Comment (2024-06-04): Statement provided is for subject REO. Mortgage Statement requested is for primary residence at [Redact].<br>Seller Comment (2024-06-03): MTG STATEMENT | 06/07/2024 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221330531 | [Redact] | [Redact] |  | 30634143 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/26/2024 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221330531 | [Redact] | [Redact] |  | 30634145 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The tape data identified DU was used to qualify. The file is missing a copy of the DU approval and only contains an LP approval. |  |  |  | Reviewer Comment (2024-05-30): Guidance from the client allowed the use of the AUS provided in the initial file | 05/30/2024 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221330531 | [Redact] | [Redact] |  | 30712134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.69256% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-06-12): Revised AUS provided<br>Seller Comment (2024-06-11): Primary is not [Redact]. Mortgage [Redact], HOI [Redact] monthly Taxes [Redact]. This is [Redact]. + Second Home [Redact] and debt [Redact]= [Redact].<br>Reviewer Comment (2024-06-11): Provided AUS with total monthly debt [Redact]. However system calculated debts as per document are [Redact]. (Primary-[Redact]+Second Home+[Redact]+Credit debt-[Redact]). Please provide breakdown and supporting documents for extra expenses considered in AUS. Exception Remains.<br>Seller Comment (2024-06-07): REV AUS | 06/12/2024 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221330531 | [Redact] | [Redact] |  | 30712138 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall exception |  |  |  | Reviewer Comment (2024-06-12): Revised AUS provided<br>Seller Comment (2024-06-11): Primary is not [Redact]. Mortgage [Redact], HOI [Redact] monthly Taxes [Redact]. This is [Redact]. + Second Home [Redact] and debt [Redact]= [Redact].<br>Reviewer Comment (2024-06-11): Provided AUS with total monthly debt [Redact]. However system calculated debts as per document are [Redact]. (Primary-[Redact]+Second Home+[Redact]+Credit debt-[Redact]). Please provide breakdown and supporting documents for extra expenses considered in AUS. Exception Remains.<br>Seller Comment (2024-06-07): REV AUS | 06/12/2024 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 221330531 | [Redact] | [Redact] |  | 30712155 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | For reo 3 Greenacre, PITI consider to qualify [Redact] however as per documents in file, PITI [Redact]. |  |  |  | Reviewer Comment (2024-06-12): Revised AUS provided<br>Seller Comment (2024-06-11): Primary is not [Redact]. Mortgage [Redact], HOI [Redact] monthly Taxes [Redact]. This is [Redact]. + Second Home [Redact] and debt [Redact]= [Redact].<br>Reviewer Comment (2024-06-11): Provided AUS with total monthly debt [Redact]. However system calculated debts as per document are [Redact]. (Primary-[Redact]+Second Home+[Redact]+Credit debt-[Redact]). Please provide breakdown and supporting documents for extra expenses considered in AUS. Exception Remains.<br>Seller Comment (2024-06-07): REV AUS | 06/12/2024 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221330531 | [Redact] | [Redact] |  | 30712161 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-06-12): Revised AUS provided<br>Seller Comment (2024-06-11): Primary is not [Redact]. Mortgage [Redact], HOI [Redact] monthly Taxes [Redact]. This is [Redact]. + Second Home [Redact] and debt [Redact]= [Redact].<br>Reviewer Comment (2024-06-11): Provided AUS with total monthly debt [Redact]. However system calculated debts as per document are [Redact]. (Primary-[Redact]+Second Home+[Redact]+Credit debt-[Redact]). Please provide breakdown and supporting documents for extra expenses considered in AUS. Exception Remains.<br>Seller Comment (2024-06-07): REV AUS | 06/12/2024 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221421106 | [Redact] | [Redact] |  | 30804981 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Property is located in a FEMA Disaster area and has not been inspected. Required post disaster inspection report dated after declaration end date [Redact]. |  |  |  | Reviewer Comment (2024-06-25): Received Post Disaster Inspection report. Exception Cleared.<br>Seller Comment (2024-06-21): Please see attached. | 06/25/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221421106 | [Redact] | [Redact] |  | 30804993 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the statement or CD from the simultaneous purchase of the REO to verify the PITIA. |  |  |  | Reviewer Comment (2024-06-20): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2024-06-19): [Redact]: Attached. | 06/20/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221421106 | [Redact] | [Redact] |  | 30808758 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-06-25): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2024-06-21): [Redact]: Policy and RCE. | 06/25/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221421108 | [Redact] | [Redact] |  | 30799130 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected after [Redact], the declared end date. |  |  |  | Reviewer Comment (2024-06-25): Received Post Disaster Inspection report. Exception Cleared.<br>Seller Comment (2024-06-21): Please see attached. | 06/25/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221421108 | [Redact] | [Redact] |  | 30807600 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-06-26): Received RCE. Exception Cleared.<br>Seller Comment (2024-06-26): [Redact] Hi Team, Please see attached | 06/26/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221421108 | [Redact] | [Redact] |  | 30820012 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the statement or CD from the simultaneous purchase of the REO to verify the PITIA. |  |  |  | Reviewer Comment (2024-06-20): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2024-06-19): [Redact] Please see attached | 06/20/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 221531844 | [Redact] | [Redact] | [Redact] | 30831121 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-08-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-07-29): Note trk-[Redact] #[Redact], orig delivered [Redact]. | 08/01/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 221531844 | [Redact] | [Redact] | [Redact] | 31186276 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-08-08): Revised RCE provided<br>Seller Comment (2024-08-08): revised rce upld<br>Reviewer Comment (2024-08-05): The Replacement Cost Estimator provided in the initial file identified the replacement cost of [Redact]; therefore coverage of at least the RCE is required. Condition is valid and remains open<br>Seller Comment (2024-08-05): loan amount is [Redact] and dwelling coverage is [Redact]- please provide explanation how [Redact] shortfall was calculated. RCE would have no impact to insured amount being 100% covered.<br>Reviewer Comment (2024-08-01): Provided RCE present in file however replacement cost not supporting with coverage amount. Hence still have shortfall of [Redact]. Exception Remains.<br>Seller Comment (2024-08-01): rce upld | 08/08/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 221811295 | [Redact] | [Redact] | [Redact] | 31241748 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-09-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-09-16): (Rate Lock) [Redact] | 09/19/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221811295 | [Redact] | [Redact] | [Redact] | 31622847 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 09/10/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221811295 | [Redact] | [Redact] | [Redact] | 31739669 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Upon further review, the subject is located in a disaster area. Provide a post-disaster inspection dated after the declared end date of [Redact], verifying there was no damage. |  |  |  | Reviewer Comment (2024-10-03): Received Post Disaster Inspection report. Exception Cleared.<br>Seller Comment (2024-10-02): DAIR | 10/03/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221892893 | [Redact] | [Redact] | [Redact] | 31389274 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-09-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-09-05): collateral delivered [Redact] via [Redact] tracking [Redact] | 09/06/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 221892893 | [Redact] | [Redact] | [Redact] | 31571094 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement not provided. |  |  |  | Reviewer Comment (2024-09-05): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2024-09-04): guaranty | 09/05/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 221892893 | [Redact] | [Redact] | [Redact] | 31571863 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-09-20): Received Replacement Cost Estimate. Exception Cleared.<br>Seller Comment (2024-09-19): hoi<br>Reviewer Comment (2024-09-06): Provide a copy of a revised policy/declaration page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2024-09-05): [Redact] does not provide RCE's. | 09/20/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222033815 | [Redact] | [Redact] | [Redact] | 31605800 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-11): Waived on Rate Lock: Collateral cleared by Custodian | 10/11/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222033815 | [Redact] | [Redact] | [Redact] | 31780314 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of [Redact] which is after the consummation date of [Redact]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2024-10-17): Revised declaration page confirmed an earlier effective date.<br>Seller Comment (2024-10-16): HOI renewal<br>Reviewer Comment (2024-10-07): Additional copies of the HOI were provided. The effective date on the declarations page is [Redact], the consummation date is [Redact]. [Redact] is a wet funding state and coverage is required to be in effect at or prior to consummation. Condition is valid and remains open<br>Seller Comment (2024-10-06): UPLOADED HOI | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222033815 | [Redact] | [Redact] | [Redact] | 31782240 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  |  |  |  |  |  | 10/01/2024 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061100 | [Redact] | [Redact] | [Redact] | 31658325 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-05): (Rate Lock) [Redact] | 12/09/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 222061100 | [Redact] | [Redact] | [Redact] | 32288355 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file is missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-01-07): Business Purpose Cert provided. Exception cleared.<br>Seller Comment (2025-01-06): (Rate Lock) business purpose cert | 01/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 222061100 | [Redact] | [Redact] | [Redact] | 32288370 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file is missing a copy of the Guarantor Agreement. |  |  |  | Reviewer Comment (2025-03-06): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-03-05): (Rate Lock) Signed agreement and corrected pg 2 of the mortgage showing the business rider as an attachment for re-recording<br>Seller Comment (2025-03-05): Attached the Guarantor Agreement.<br>Reviewer Comment (2024-12-17): The note was executed in the name of the LLC only and not by the co-mortgagor as an individual AND on behalf of the LLC. A guaranty agreement is required or a revised Note identifying Israel Herrera as an individual and on behalf of the LLC.<br>Seller Comment (2024-12-16): Per [Redact] Guidelines under 4.8.1 Eligibility Requirements: Separate agreement or personal guarantee document is not required.<br>Reviewer Comment (2024-12-12): Guarantor Agreement is required document by client. Exception Remains.<br>Seller Comment (2024-12-11): When the owner/borrower signs the Note, they become a guarantor. [Redact] does not look to the LLC to repay the obligation but holds the owner/borrower liable for repayment. The program requires the signing of the Note and by nature of that signature on the Note, another document referred to as a personal guarantee is not required. Please Cancel. | 03/06/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 222061100 | [Redact] | [Redact] | [Redact] | 32288409 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The PDI provided is dated [Redact],the disaster end date is [Redact]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[Redact] | [Redact],Aggregator | Reviewer Comment (2024-12-03): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date. |  |  | 12/03/2024 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 222115224 | [Redact] | [Redact] | [Redact] | 31739670 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-10-22): (Rate Lock) [Redact] | 10/23/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222115224 | [Redact] | [Redact] | [Redact] | 31935437 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file was missing a copy of the final title policy or Title Preliminary |  |  |  |  |  |  | 10/18/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222115224 | [Redact] | [Redact] | [Redact] | 31935525 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under 1026.43(e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | The Qualification Method used by the lender does not match the QM payment calculation methods under 1026.43(e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  | 10/18/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222132592 | [Redact] | [Redact] | [Redact] | 31766889 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-29): Waived on Rate Lock: Collateral cleared by Custodian | 10/29/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222136119 | [Redact] | [Redact] | [Redact] | 31775788 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-29): Waived on Rate Lock: Collateral cleared by Custodian | 10/29/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222136119 | [Redact] | [Redact] | [Redact] | 31972663 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed [Redact] on LE but disclosed as [Redact] on Final CD. File does not contain COC for this file Cure provided at closing |  |  |  | Reviewer Comment (2024-10-24): Sufficient Cure Provided At Closing |  | 10/24/2024 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222136119 | [Redact] | [Redact] | [Redact] | 31981979 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under 1026.43(e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. | Lender used a qualifying rate that is higher than the prescribed qualifying method identified in the guidelines. |  |  |  |  |  |  | 10/25/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222160328 | [Redact] | [Redact] | [Redact] | 31800830 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-08): TRACKING OF NOTE TO INVESTOR ON [Redact] VIA [Redact]#[Redact] | 11/13/2024 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222160328 | [Redact] | [Redact] | [Redact] | 32052092 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2024 | 2 B |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222163568 | [Redact] | [Redact] | [Redact] | 31807952 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-10-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-10-21): (Rate Lock) [Redact] | 10/22/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222163568 | [Redact] | [Redact] | [Redact] | 31936378 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/18/2024 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222163568 | [Redact] | [Redact] | [Redact] | 31936380 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-18): Sufficient Cure Provided At Closing |  | 10/18/2024 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222163568 | [Redact] | [Redact] | [Redact] | 31936381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redact] not received by borrower at least four (4) business days prior to closing. | Estimate provided on [Redact] not received by borrower at least four (4) business days prior to closing. (Interim/[Redact]) |  |  |  | Reviewer Comment (2024-10-21): Evidence of earlier receipt of [Redact] LE provided<br>Seller Comment (2024-10-21): (Rate Lock) rec date | 10/21/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222221479 | [Redact] | [Redact] | [Redact] | 31911788 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-15): Waived on Rate Lock: Collateral cleared by Custodian | 11/15/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222231294 | [Redact] | [Redact] | [Redact] | 31933789 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-12): (Rate Lock) Note was sent via [Redact] [Redact] | 11/14/2024 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222242788 | [Redact] | [Redact] | [Redact] | 31941924 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-02): Please see attached Certificate of Compliance | 12/04/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222242788 | [Redact] | [Redact] | [Redact] | 32272282 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redact] Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2024-12-04): Certificate of Compliance provided<br>Seller Comment (2024-12-04): Please see attached Certificate of Compliance | 12/04/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222245057 | [Redact] | [Redact] | [Redact] | 31946192 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-14): (Rate Lock) [Redact] | 11/15/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222245057 | [Redact] | [Redact] | [Redact] | 32087244 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/11/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222245057 | [Redact] | [Redact] | [Redact] | 32087476 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/11/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222246540 | [Redact] | [Redact] | [Redact] | 31947785 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222246540 | [Redact] | [Redact] | [Redact] | 32161453 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 11/19/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222250591 | [Redact] | [Redact] | [Redact] | 31952207 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-08): (Rate Lock) Note internally transferred. | 11/11/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 31972676 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-07): Waived on Rate Lock: Collateral cleared by Custodian | 11/07/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32058754 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2024-11-18): Disclosure provided<br>Seller Comment (2024-11-18): counseling list<br>Reviewer Comment (2024-11-15): The Acknowledgement of Receipt of the Homeownership Counseling List was provided; however a copy of the list is required to verify it is compliant.<br>Seller Comment (2024-11-15): acknowledgement | 11/18/2024 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32060100 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-11-18): RCE provided<br>Seller Comment (2024-11-18): rce | 11/18/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32062815 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per the guidelines, a 2024 YTD P&L and Balance Sheet are required since self-employment income was the primary source of income used to qualify. |  |  |  | Reviewer Comment (2024-11-15): YTD P&L and Balance Sheet provided<br>Seller Comment (2024-11-15): p&l and bal sheet | 11/15/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32062818 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | The file is missing the guideline required 12 month rental history. The rental history can be verified with a VOR from an institution or management company or 12 months cancelled checks or bank statements and a copy of the current lease. |  |  |  | Reviewer Comment (2024-11-15): VOR provided<br>Seller Comment (2024-11-15): vor | 11/15/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32062823 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Condition will be cleared when QM and guideline conditions are cleared. |  |  |  | Reviewer Comment (2024-11-15): YTD P&L and Balance Sheet provided | 11/15/2024 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222261153 | [Redact] | [Redact] | [Redact] | 32062824 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Per the guidelines, a 2024 YTD P&L and Balance Sheet are required since self-employment income was the primary source of income used to qualify. |  |  |  | Reviewer Comment (2024-11-15): YTD P&L and Balance Sheet provided | 11/15/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222261153 | [Redact] | [Redact] | [Redact] | 32062826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Condition will be cleared when QM and guideline conditions are cleared. |  |  |  | Reviewer Comment (2024-11-15): YTD P&L and Balance Sheet provided | 11/15/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222264110 | [Redact] | [Redact] | [Redact] | 31981757 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-27): (Rate Lock) [Redact] | 12/02/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222264110 | [Redact] | [Redact] | [Redact] | 32269149 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | The file is missing verification of the rental history for the last 12 months, as required by the guidelines. |  |  |  | Reviewer Comment (2024-12-11): Received 12 Months of Verification of Rent. Exception Cleared.<br>Seller Comment (2024-12-10): (Rate Lock) Please see the attached lease agreement that corresponds with the [Redact] payments attached. The lease agreement and payment history both show that the borrower paid [Redact]/mo on time.<br>Reviewer Comment (2024-12-05): Provided VOR has 7 months of rental history, Required 12 Months of rental history. Exception Remains.<br>Seller Comment (2024-12-04): (Rate Lock) here you go | 12/11/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222303487 | [Redact] | [Redact] | [Redact] | 32036022 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by Custodian | 12/31/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222303487 | [Redact] | [Redact] | [Redact] | 32457704 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/20/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222303487 | [Redact] | [Redact] | [Redact] | 32457706 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/20/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222303487 | [Redact] | [Redact] | [Redact] | 32461389 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/20/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222303487 | [Redact] | [Redact] | [Redact] | 32461390 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/20/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222305924 | [Redact] | [Redact] | [Redact] | 32041806 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-24): [Redact], delivered [Redact] | 12/25/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222305924 | [Redact] | [Redact] | [Redact] | 32464289 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2024-12-25): Received supplemental report. Exception Cleared.<br>Seller Comment (2024-12-24): Updated Title | 12/25/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222309068 | [Redact] | [Redact] | [Redact] | 32050637 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-11-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-11-20): Note Tracking | 11/21/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222309068 | [Redact] | [Redact] | [Redact] | 32155397 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redact] missing evidence of receipt. |  |  |  |  |  |  | 11/18/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222309068 | [Redact] | [Redact] | [Redact] | 32155404 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2024-11-19): Rate lock provided<br>Seller Comment (2024-11-19): lock confirmation | 11/19/2024 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222331564 | [Redact] | [Redact] | [Redact] | 32069756 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-04): (Rate Lock) Note Track #[Redact] | 12/06/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222331564 | [Redact] | [Redact] | [Redact] | 32297896 |  | Property | Valuation | Valutation Issue | Valuation | Program guidelines require 2 appraisals on loan amounts greater than [Redact]. | Appraisal count: ___ | The file was missing the 2nd full appraisal, required by the guidelines for loan amounts > [Redact] . |  |  |  | Reviewer Comment (2024-12-16): Second full appraisal provided<br>Seller Comment (2024-12-12): (Rate Lock) 2nd Appraisal<br>Reviewer Comment (2024-12-05): Two full appraisals are required per the guidelines. The guideline snippet provided by the seller states Loan Amounts > [Redact] - 2 appraisals required, right above the highlighted section regarding the CU score. Condition is valid and remains open<br>Seller Comment (2024-12-04): (Rate Lock) Pls Waive<br>Seller Comment (2024-12-04): (Rate Lock) Please Waive | 12/16/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222335467 | [Redact] | [Redact] | [Redact] | 32075391 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-10): Waived on Rate Lock: Collateral cleared by Custodian | 12/10/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222335467 | [Redact] | [Redact] | [Redact] | 32301898 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-06): Sufficient cure provided at closing.<br>Seller Comment (2024-12-05): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | 12/06/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222335467 | [Redact] | [Redact] | [Redact] | 32320790 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2024-12-06): Sufficient Cure Provided At Closing |  | 12/06/2024 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222346447 | [Redact] | [Redact] | [Redact] | 32094658 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-02): Waived on Rate Lock: Collateral cleared by Custodian | 12/02/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222346447 | [Redact] | [Redact] | [Redact] | 32280163 |  | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. |  | As per guideline, Tax transcripts for personal tax returns for the most recent 2 years are required when tax returns are used to document borrower's income |  |  |  | Reviewer Comment (2024-12-05): Received transcript and 1040. Exception Cleared.<br>Seller Comment (2024-12-05): 1040s & transcripts<br>Reviewer Comment (2024-12-02): Update: the file contained the 2021 1040's and the 2022 Tax Transcript. The 2021 Tax Transcript and the 2022 1040's are required or the 2023 1040 and transcripts along with the 2022 1040's.. | 12/05/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222346447 | [Redact] | [Redact] | [Redact] | 32280564 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification was missing in file to verify insurance payment. |  |  |  | Reviewer Comment (2024-12-05): Received Insurance Verification. Exception Cleared.<br>Seller Comment (2024-12-05): ins tax no hoa | 12/05/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222346447 | [Redact] | [Redact] | [Redact] | 32280588 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Per guidelines : Required for loans on investment singlefamily properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Client elect to waive with compensating factors: Post close assets: [Redact] 253 months reserves where 12 months is required (21X)<br>Client elect to waive with compensating factors: FICO: 813 where 660 is minimum<br>Client elect to waive with compensating factors: LTV: 38 where 70 is maximum | Aggregator,[Redact]<br>Aggregator,[Redact]<br>[Redact],Aggregator | Reviewer Comment (2024-12-23): Client elect to waive with compensating factors: Post close assets: [Redact] 253 months reserves where 12 months is required (21X), LTV: 38 where 70 is maximum and FICO: 813 where 660 is minimum.<br>Reviewer Comment (2024-12-11): As per [Redact] guideline, required for loans on investment single<br> family properties. Exception Remains.<br>Seller Comment (2024-12-10): u/w rebuttal<br>Reviewer Comment (2024-12-06): Per the guidelines, the 1007 is required for ALL investment loans, regardless of whether rental income is used or not. Condition remains<br>Seller Comment (2024-12-06): hi, per u/w: The borrower was qualified with the full PITIA. This is the reason there was no rent schedule requested. |  |  | 12/23/2024 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222346447 | [Redact] | [Redact] | [Redact] | 32280594 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/29/2024 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222346447 | [Redact] | [Redact] | [Redact] | 32291780 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Upon further review, the file is missing a copy of the complete 2022 personal tax returns (1040's) and the 2023 1040's and transcripts. If 2023 was not filed, a copy of the 2023 extension is required. |  |  |  | Reviewer Comment (2024-12-05): Received transcript and 1040. Exception Cleared.<br>Seller Comment (2024-12-05): 1040s & transcripts | 12/05/2024 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222356926 | [Redact] | [Redact] | [Redact] | 32127822 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-10): (Rate Lock) Note Track # [Redact] | 12/11/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222365430 | [Redact] | [Redact] | [Redact] | 32144297 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-04): (Rate Lock) NOTE DELIVERY CONFIRMATION ATTACHED - DELIVERED [Redact] PER [Redact] [Redact] | 12/09/2024 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 222365430 | [Redact] | [Redact] | [Redact] | 32293908 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-03): Sufficient Cure Provided At Closing |  | 12/03/2024 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222365430 | [Redact] | [Redact] | [Redact] | 32293909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-03): Sufficient Cure Provided At Closing |  | 12/03/2024 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222365430 | [Redact] | [Redact] | [Redact] | 32293924 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-12-06): Received replacement cost estimate. Exception Cleared.<br>Seller Comment (2024-12-04): (Rate Lock) RCE INSURANCE | 12/06/2024 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 222365430 | [Redact] | [Redact] | [Redact] | 32294191 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. Per the guidelines, a Collateral Desktop Analysis report (CDA) from [Redact] is required. The desk review is required regardless of the CU score. |  |  |  | Reviewer Comment (2024-12-06): Received CDA report. Exception Cleared.<br>Seller Comment (2024-12-04): (Rate Lock) CDA ATTACHED | 12/06/2024 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 222365430 | [Redact] | [Redact] | [Redact] | 32296060 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/03/2024 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 222399098 | [Redact] | [Redact] | [Redact] | 32159281 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by Custodian | 12/31/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222399098 | [Redact] | [Redact] | [Redact] | 32457175 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/20/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222416540 | [Redact] | [Redact] | [Redact] | 32166137 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-20): (Rate Lock) [Redact] | 12/23/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222416540 | [Redact] | [Redact] | [Redact] | 32419839 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount(no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 12/16/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222416540 | [Redact] | [Redact] | [Redact] | 32419905 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/16/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222416540 | [Redact] | [Redact] | [Redact] | 32419908 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-12-16): Sufficient Cure Provided At Closing |  | 12/16/2024 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222416540 | [Redact] | [Redact] | [Redact] | 32419918 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/16/2024 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222462008 | [Redact] | [Redact] | [Redact] | 32253661 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-31): Waived on Rate Lock: Collateral cleared by Custodian | 12/31/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222462008 | [Redact] | [Redact] | [Redact] | 32459986 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA Verification, Insurance Verification, Tax Verification for REO property. |  |  |  | Reviewer Comment (2024-12-23): Verified expenses from tax and insurance documents. Exception Cleared.<br>Seller Comment (2024-12-23): [Redact] : The taxes and insurance can be verified on the 2023 tax returns on Schedule E. There is no indication of HOA dues on the tax returns or when the property is search on [Redact]. Please see attached. | 12/23/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222462008 | [Redact] | [Redact] | [Redact] | 32459987 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA Verification, Insurance Verification, Tax Verification for REO property. |  |  |  | Reviewer Comment (2024-12-25): Verified tax and insurance from 1040. Exception Cleared.<br>Seller Comment (2024-12-24): [Redact]: The [Redact] expense is the taxes and insurance which were also verified on the 2023 tax returns on Schedule E. [Redact] (HOI) + [Redact] (HOI) + [Redact] (taxes) + [Redact] (taxes) / 12 = [Redact].<br>Reviewer Comment (2024-12-23): As per final 1003, other payment reflecting [Redact]. Required supporting document to verify those expenses. Exception Remains.<br>Seller Comment (2024-12-23): [Redact] : please see attached documentation. there is no indication that this property is located in a PUD or has HOA dues.<br>Seller Comment (2024-12-23): [Redact] : please disregard previous comment. This response was meant for the other exception for a different REO.<br>Seller Comment (2024-12-23): [Redact] : The 2023 tax returns contain verification of 2023 taxes and insurance for this property. There is no indication on an HOA | 12/25/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222462008 | [Redact] | [Redact] | [Redact] | 32460097 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-12-25): Received RCE. Exception Cleared.<br>Seller Comment (2024-12-23): [Redact] : please see attached | 12/25/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467173 | [Redact] | [Redact] | [Redact] | 32265019 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-17): (Rate Lock) note internally transferred | 12/20/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467173 | [Redact] | [Redact] | [Redact] | 32418328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2024-12-25): Received CDA. Exception Cleared.<br>Seller Comment (2024-12-23): CDA | 12/25/2024 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467173 | [Redact] | [Redact] | [Redact] | 32418493 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. (|  |  |  | Reviewer Comment (2024-12-16): Sufficient Cure Provided At Closing |  | 12/16/2024 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222467173 | [Redact] | [Redact] | [Redact] | 32419842 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/16/2024 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222471956 | [Redact] | [Redact] | [Redact] | 32275482 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-14): Waived on Rate Lock: Collateral cleared by Custodian | 01/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222477015 | [Redact] | [Redact] |  | 32295816 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-12-12): Secondary valuation provided. | 12/12/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477016 | [Redact] | [Redact] |  | 32290224 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-12): Secondary valuation provided | 12/12/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477084 | [Redact] | [Redact] |  | 32294295 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-12): Secondary valuation provided. | 12/12/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477088 | [Redact] | [Redact] |  | 32289190 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2024-12-12): Received UCDP With a score of 1.4. | 12/12/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477109 | [Redact] | [Redact] |  | 32295676 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-12-13): Secondary valuation provided. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477114 | [Redact] | [Redact] |  | 32302455 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-13): Secondary valuation provided. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 222477114 | [Redact] | [Redact] |  | 32302458 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redact] declared end date. |  |  |  | Reviewer Comment (2024-12-17): Post-disaster inspection provided<br>Seller Comment (2024-12-14): PDI Uploaded | 12/17/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 222477115 | [Redact] | [Redact] |  | 32295460 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-13): UCDP Provided. Exception Cleared. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477121 | [Redact] | [Redact] |  | 32302531 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-13): Received UCDP With a score of 2.3. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 222477121 | [Redact] | [Redact] |  | 32324563 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2024-12-17): Lender approval provided verifying condo project is warrantable<br>Seller Comment (2024-12-14): [Redact] - [Redact] - Uploading the following to support HOA project warrantability: 1. Updated CM reflecting UW's determination of warrantability; 2. [Redact] HOA Project Questionnaire (this is acceptable); 3. HOA 2024 Annual Budget. | 12/17/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 222477122 | [Redact] | [Redact] |  | 32295703 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-12-13): Secondary valuation provided. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477124 | [Redact] | [Redact] |  | 32295655 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-12-13): AVM provided. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477126 | [Redact] | [Redact] |  | 32300697 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-13): Secondary valuation provided. | 12/13/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 222477126 | [Redact] | [Redact] |  | 32300849 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | The loan amount of [Redact] is less than Guideline minimum loan amount of [Redact], however there is an approved lender exception in the file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's Experience/Track Record | Guidelines Representative FICO: 640<br> Representative FICO: 749<br>Reserves: 253.83<br>Borrower's Experience/Track Record. The borrower has: 3 verified properties owned/sold in last 36 months | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator | Reviewer Comment (2025-01-06): Client elected to waive the condition with the following compensating factors: FICO, Reserves, experienced investor<br>Reviewer Comment (2024-12-17): Elevated to the client for review. Exception approval in file<br>Seller Comment (2024-12-14): [Redact] - [Redact] - Why is this finding in our open queue to respond if the file contains a minimum loan amount exception approval? |  |  | 01/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 222477137 | [Redact] | [Redact] |  | 32299442 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-17): Received UCDP With a score of 1.9. | 12/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477142 | [Redact] | [Redact] |  | 32299476 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-17): Secondary Valuation Provided. | 12/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477152 | [Redact] | [Redact] |  | 32310463 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-16): Secondary valuation provided<br>Seller Comment (2024-12-14): Review Uploaded | 12/16/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477153 | [Redact] | [Redact] |  | 32316398 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-16): Secondary valuation provided<br>Seller Comment (2024-12-14): Review Uploaded | 12/16/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477165 | [Redact] | [Redact] |  | 32310299 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-16): Secondary valuation provided<br>Seller Comment (2024-12-14): Review Uploaded | 12/16/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477177 | [Redact] | [Redact] |  | 32315220 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-12-17): Secondary Valuation Provided. | 12/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477208 | [Redact] | [Redact] |  | 32313400 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-17): Secondary valuation provided. | 12/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477215 | [Redact] | [Redact] |  | 32322753 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-12-16): Secondary valuation provided<br>Seller Comment (2024-12-14): Review Uploaded | 12/16/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477221 | [Redact] | [Redact] |  | 32322690 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-17): Received UCDP With a score of 2.1. | 12/17/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477236 | [Redact] | [Redact] |  | 32331947 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-18): Secondary valuation provided. | 12/18/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222477243 | [Redact] | [Redact] |  | 32331804 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-18): Secondary valuation provided. | 12/18/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222477243 | [Redact] | [Redact] |  | 32331811 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redact] declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redact] | [Redact],Aggregator | Reviewer Comment (2024-12-13): Client elects to waive the condition based on the effective date of the appraisal being post-disaster but prior to the declared end date. |  |  | 12/13/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222477922 | [Redact] | [Redact] | [Redact] | 32282038 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-01-07): collateral delivered [Redact] via [Redact] tracking [Redact] | 01/08/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477922 | [Redact] | [Redact] | [Redact] | 32541220 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file is missing a copy of the Verification of Identification. |  |  |  | Reviewer Comment (2025-01-07): Received Driver License. Exception Cleared.<br>Seller Comment (2025-01-06): ID | 01/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222477922 | [Redact] | [Redact] | [Redact] | 32559059 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-01-06): guaranty | 01/07/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222504849 | [Redact] | [Redact] | [Redact] | 32303220 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-01-16): Note | 01/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222515349 | [Redact] | [Redact] | [Redact] | 32315676 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-23): (Rate Lock) collateral track # [Redact] | 12/25/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222516312 | [Redact] | [Redact] | [Redact] | 32316390 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-12-27): (Rate Lock) original collateral sent [Redact] via [Redact] tracking [Redact] | 12/30/2024 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222516312 | [Redact] | [Redact] | [Redact] | 32489736 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2024-12-26): Sufficient Cure Provided At Closing |  | 12/26/2024 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222516312 | [Redact] | [Redact] | [Redact] | 32491876 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/26/2024 | 2 B |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524152 | [Redact] | [Redact] | [Redact] | 32325617 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-01-16): TRACKING OF NOTE TO INVESTOR: [Redact] | 01/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32325631 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-13): Waived on Rate Lock: Collateral cleared by Custodian | 01/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32593461 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 01/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32593462 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 01/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32593464 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-08): Sufficient Cure Provided At Closing |  | 01/08/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222524153 | [Redact] | [Redact] | [Redact] | 32599030 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The qualifying DTI exceeds the guideline max. The difference is due to the qualifying rate used. The lender used a qualifying rate of [Redact]; however the guidelines require the qualifying rate for a 5/6 ARM of Greater of the fully indexed rate or the Note Rate + 2.0% and the qualifying rate of [Redact] was used to qualify. |  |  |  | Reviewer Comment (2025-01-16): Documentation provided verifying installment loan was paid off prior to closing. Debt was removed from the liabilities and the DTI is below the guideline max<br>Seller Comment (2025-01-16): (Rate Lock) LOX and statement | 01/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32599034 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qual Method differs from ATR, DTI not Understated | General QM: The Qualification Method used by the lender does not match the QM payment calculation methods under 1026.43(e)(2)(iv), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 01/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32599035 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of 50.09651% moderately exceeds the guideline maximum of 49.99%. (DTI Exception is eligible to be regraded with compensating factors.) | The qualifying DTI exceeds the guideline max. The difference is due to the qualifying rate used. The lender used a qualifying rate of [Redact]; however the guidelines require the qualifying rate for a 5/6 ARM of Greater of the fully indexed rate or the Note Rate + 2.0% and the qualifying rate of [Redact] was used to qualify. |  |  |  | Reviewer Comment (2025-01-16): Documentation provided verifying installment loan was paid off prior to closing. Debt was removed from the liabilities and the DTI is below the guideline max<br>Seller Comment (2025-01-16): (Rate Lock) LOX and statement | 01/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222524153 | [Redact] | [Redact] | [Redact] | 32599036 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Condition will be cleared when all QM conditions are cleared |  |  |  | Reviewer Comment (2025-01-16): Documentation provided verifying installment loan was paid off prior to closing. Debt was removed from the liabilities and the DTI is below the guideline max<br>Seller Comment (2025-01-16): (Rate Lock) LOX and statement | 01/16/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222524153 | [Redact] | [Redact] | [Redact] | 32599039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-01-16): Documentation provided verifying installment loan was paid off prior to closing. Debt was removed from the liabilities and the DTI is below the guideline max<br>Seller Comment (2025-01-16): (Rate Lock) LOX and statement | 01/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222525130 | [Redact] | [Redact] | [Redact] | 32327065 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-01-09): (Rate Lock) NOTE TRACKING | 01/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222558632 | [Redact] | [Redact] | [Redact] | 32356961 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-03-11): (Rate Lock) [Redact]<br>Seller Comment (2025-03-05): (Rate Lock) [Redact] Tracking Note Delivery<br>Seller Comment (2025-03-05): (Rate Lock) Note Tracking attached - thank you | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222558632 | [Redact] | [Redact] | [Redact] | 32941490 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 02/27/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222558632 | [Redact] | [Redact] | [Redact] | 32944437 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-03-02): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-28): (Rate Lock) CDA attached | 03/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222563466 | [Redact] | [Redact] | [Redact] | 32368601 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): (Rate Lock) [Redact] | 03/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32377533 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-15): Waived on Rate Lock: Collateral cleared by Custodian | 01/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32618424 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing documentation to verify the PITIA for the REO |  |  |  | Reviewer Comment (2025-01-22): Received PITIA documents. Exception Cleared.<br>Seller Comment (2025-01-21): Reo [Redact]<br>Seller Comment (2025-01-21): Reo | 01/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32618489 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 01/13/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32627635 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require 50% of qualifying income must be from 1099 income. Lender exception request in file to allow 41% income from 1099 income. Client approval provided in loan file with compensating factors. However, the exception approval and guides identified a max DTI of 45.00%. Using the qualifying rate of %, based on the guideline requirement for 7/6 I/O ARMs of "Qualify at fully amortizing PITIA based on 20-year amortization at the greater of the fully indexed rate or the Note rate", the DTI is greater than 45.00%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | FICO: 809 where 700 is minimum (109)<br>LTV is 55 where the maximum is 65 | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-01-27): Client elected to waive the condition with the following Compensating Factors:<br> FICO: 809 where 700 is minimum (109)<br> LTV is 55 where the maximum is 65<br> Other REO Equity: [Redact]<br>Seller Comment (2025-01-27): UW Comments<br>Reviewer Comment (2025-01-23): Revised 1003 and 1008 provided with an updated qualifying rate of [Redact]; however, per the guidelines, 7/6 I/O ARM's are required to be qualified at fully amortizing PITIA based on 20-year amortization at the greater of the fully indexed rate or the Note rate. The diligence qualified P&I payment of [Redact] is greater than the lenders qualifying P&I and as a result, the DTI exceeds the guideline max. Condition is valid and remains open<br>Seller Comment (2025-01-22): 1008 1003<br>Seller Comment (2025-01-22): per UW: Please request the investor's specific figures used to calculate 45.92036%<br>Our data: <br> Fully Indexed Rate: [Redact], Loan amount [Redact], 240 months = [Redact]/mth P&I, and [Redact] PITIA. <br> 75% of subject's [Redact] gross rent = [Redact] - [Redact] = [Redact]/mth subject negative cashflow. <br> Total non-subject REOs: [Redact]<br> [Redact]- Sold; 1031 exchanged for subject. <br> [Redact] = [Redact]<br> [Redact] = [Redact]<br> Total other debt = [Redact]<br> Primary res PITIA = [Redact]<br>Total debts = [Redact]<br> Total income = [Redact]<br> DTI = 41.68%. Revised 1008 & 1003 are attached. |  |  | 01/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629365 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO. |  |  |  | Reviewer Comment (2025-01-22): Received PITIA documents. Exception Cleared. | 01/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629546 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The max DTI for Investment property loans is 45.00%. The DTI is 45.92036%. The difference is due to the lender qualified with the I/O payment and per the guidelines, the qualifying rate should have been calculated based on the fully amortizing PITIA based on 20-year amortization at the greater of the fully indexed rate or the Note rate. |  |  |  | Reviewer Comment (2025-01-27): Lender correspondence provided; updated 1003 and 1008 provided and DTI meets the guideline requirements.<br>Seller Comment (2025-01-27): UW Comments<br>Reviewer Comment (2025-01-23): EXCEPTION HISTORY - Exception Explanation was updated on [Redact] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 45.92036% exceeds Guideline total debt ratio of 45.00000%. | 01/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629632 |  | Compliance | TRID | Document Error | TRID | TRID Closing Disclosure: "Product" in Loan Details section is blank. |  | There is a mismatch in the terms disclosed on the Note and the term disclosed on the final CD. The note disclosed a term of 240 months with a 120 months I/O and the final CD disclosed a term of 360 months with 120 months I/O. |  |  |  | Reviewer Comment (2025-02-28): [Redact] received updated note.<br>Seller Comment (2025-02-26): Please see attached corrected note. The original was delivered [Redact] via tracking #[Redact] | 02/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629697 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The loan was qualified with proceeds from a 1031 exchange. The file is missing a copy of the exchange agreement and the settlement statement/HUD confirming proceeds of at least [Redact] that was disclosed as a credit on the final CD. |  |  |  | Reviewer Comment (2025-01-22): Received 1031 exchange agreement and Closing statement. Exception Cleared.<br>Seller Comment (2025-01-21): exchange form and cd | 01/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629739 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | The loan was qualified with proceeds from a 1031 exchange. The file is missing a copy of the exchange agreement and the settlement statement/HUD confirming proceeds of at least [Redact] that was disclosed as a credit on the final CD. |  |  |  | Reviewer Comment (2025-01-23): Closing statement and 1031 exchange docs provided | 01/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32629752 |  | Credit | Document Error | General | Document Error | Escrow Type is unknown. |  | Per the final CD, pages 1 and 4, taxes and insurance were escrowed. However, page 2 did not disclosed the amounts collected at closing in section G and the file did not contain a copy of the Initial Escrow Account Disclosure confirming the loan was escrowed. |  |  |  | Reviewer Comment (2025-02-05): PCCD provided correcting the escrow section<br>Seller Comment (2025-02-05): pccd | 02/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222573847 | [Redact] | [Redact] | [Redact] | 32952278 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | Security instrument shows 240 month term and new note shows 360 month term. |  |  |  | Reviewer Comment (2025-03-04): Received Security instrument. Exception Cleared.<br>Seller Comment (2025-03-03): Corrected dot | 03/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222616188 | [Redact] | [Redact] | [Redact] | 32434620 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-25): collateral delivered [Redact] via [Redact] tracking [Redact] | 02/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222616188 | [Redact] | [Redact] | [Redact] | 32907113 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-03-05): Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2025-03-04): business purpose | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222621637 | [Redact] | [Redact] | [Redact] | 32440420 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-30): Waived on Rate Lock: Collateral cleared by Custodian | 01/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222621637 | [Redact] | [Redact] | [Redact] | 32721186 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate was not provided in the file. |  |  |  | Reviewer Comment (2025-03-11): Received Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2025-03-11): (Rate Lock) Business Purpose Document | 03/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222621637 | [Redact] | [Redact] | [Redact] | 32725969 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-01-29): CDA provided<br>Seller Comment (2025-01-29): (Rate Lock) CDA | 01/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222621968 | [Redact] | [Redact] | [Redact] | 32440907 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-03): collateral delivered [Redact] via [Redact] tracking [Redact] | 03/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222626128 | [Redact] | [Redact] | [Redact] | 32443330 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-09): Waived on Rate Lock: Collateral cleared by Custodian | 01/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222627438 | [Redact] | [Redact] | [Redact] | 32450923 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-08): Waived on Rate Lock: Collateral cleared by Custodian | 01/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222627438 | [Redact] | [Redact] | [Redact] | 32548765 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 01/06/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222627438 | [Redact] | [Redact] | [Redact] | 32577862 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The Affiliated Business Arrangement Disclosure wasn't provided to the borrower until [Redact] |  |  |  | Reviewer Comment (2025-01-09): Earlier disclosure provided<br>Seller Comment (2025-01-08): Please see attached | 01/09/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222627438 | [Redact] | [Redact] | [Redact] | 32577864 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The List of Homeownership Counseling Organizations wasnt provided to the borrower until [Redact]. |  |  |  | Reviewer Comment (2025-01-09): Earlier disclosure provided<br>Seller Comment (2025-01-08): Please see attached. | 01/09/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222627438 | [Redact] | [Redact] | [Redact] | 32577866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | The 2nd appraisal fee was disclosed to the borrower on the lE as [Redact], however the 2nd appraisal on the final CD shows the fee as [Redact]. There was no lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-01-17): [Redact] received a valid COC.<br>Seller Comment (2025-01-16): The appraiser advised the higher fee was due to "the subject was a large 7074 GBA structure and located in an eclectic area of homes of varying styles, sizes, quality, etc."<br>Reviewer Comment (2025-01-13): [Redact] received COC stating "Improvement complexity" however we required detailed explanation on Improvements. Kindly provide detail reason for improvements complexity in order to clear the exception.<br>Seller Comment (2025-01-10): Please review LOX<br>Reviewer Comment (2025-01-10): [Redact] received COC dated [Redact] which is already in file. However, the reason provided on COC is not sufficient. Please provide detailed information about the complexity or additional information to validate the change or provide cure.<br>Seller Comment (2025-01-08): Please see CD with CIC | 01/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222631250 | [Redact] | [Redact] |  | 32459620 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file for [Redact] |  |  |  | Reviewer Comment (2024-11-26): Received Articles of Organization and amendment of Organization with change Business name from [Redact] to [Redact]. Exception Cleared<br>Buyer Comment (2024-11-23): Articles of organization | 11/26/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222631250 | [Redact] | [Redact] |  | 32459622 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file for Insurance [Redact] |  |  |  | Reviewer Comment (2024-11-26): Received Operating agreement for [Redact]. Exception Cleared<br>Buyer Comment (2024-11-23): Operating Agreement | 11/26/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222631250 | [Redact] | [Redact] |  | 32459623 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing a letter from the accountant of the business or an underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2024-12-06): CPA letter received exception cleared<br>Buyer Comment (2024-12-05): CPA letter | 12/06/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222631250 | [Redact] | [Redact] |  | 32459624 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment Test | [Redact] SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2024-11-21): Acknowledged as non-material. |  |  | 11/21/2024 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222661684 | [Redact] | [Redact] |  | 32498303 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Copy of Flood Certificate is not available in file. |  |  |  | Reviewer Comment (2024-12-30): Flood Cert provided<br>Seller Comment (2024-12-30): Flood Cert | 12/30/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222661684 | [Redact] | [Redact] |  | 32499762 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/27/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222661684 | [Redact] | [Redact] |  | 32666041 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Updated condition: Subject is located in a FEMA disaster area with a declaration date of [Redact]. A disaster declaration end date has not been identified yet. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redact] | [Redact],Aggregator | Reviewer Comment (2025-02-07): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date.<br>Seller Comment (2025-02-07): DIR |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222703125 | [Redact] | [Redact] | [Redact] | 32578023 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-10): Waived on Rate Lock: Collateral cleared by Custodian | 02/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222703125 | [Redact] | [Redact] | [Redact] | 32769749 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redact] declared end date. Note: property located in the FEMA disaster area and the FEMA Disaster Certification Form is not acceptable. A post-disaster inspection is required. |  |  |  | Reviewer Comment (2025-03-27): Post-disaster inspection provided<br>Seller Comment (2025-03-27): Please see attached.<br>Reviewer Comment (2025-03-19): The FEMA Disaster Certification Form is not acceptable. A post disaster inspection is required. Exception remains.<br>Seller Comment (2025-03-18): [Redact]-please see attached | 03/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222703125 | [Redact] | [Redact] | [Redact] | 32769791 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. (|  |  |  | Reviewer Comment (2025-02-03): Sufficient Cure Provided At Closing |  | 02/03/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222713780 | [Redact] | [Redact] | [Redact] | 32589299 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-11): Waived on Rate Lock: Collateral cleared by Custodian | 02/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222713780 | [Redact] | [Redact] | [Redact] | 32801063 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Bank Statements are missing. |  |  |  | Reviewer Comment (2025-02-11): Asset documentation provided<br>Seller Comment (2025-02-11): Assets | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222713780 | [Redact] | [Redact] | [Redact] | 32801065 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-02-11): Flood Cert provided<br>Seller Comment (2025-02-11): Flood Cert | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222713780 | [Redact] | [Redact] | [Redact] | 32801074 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank Statements are missing. |  |  |  | Reviewer Comment (2025-02-11): Asset documentation provided<br>Seller Comment (2025-02-11): Assets | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222717710 | [Redact] | [Redact] | [Redact] | 32595246 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-06): (Rate Lock) Delivered [Redact] via [Redact] [Redact] | 02/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222717710 | [Redact] | [Redact] | [Redact] | 32779311 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approval for Employment gap of greater than 6 months with less than 6 months on new job. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Post close reserves: [Redact] in money market. Where [Redact] (74X)<br>LTV of 51 where the maximum is 70<br>FICO: 801 where the minimum is 660 | [Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-02-04): Client elected to waive the condition with the following Compensating Factors:<br> FICO: 801 where the minimum is 660<br> Post close reserves: [Redact] in money market. Where [Redact] (74X)<br> LTV of 51 where the maximum is 70 |  |  | 02/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222717710 | [Redact] | [Redact] | [Redact] | 32780904 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided |  |  |  |  |  | Reviewer Comment (2025-03-26): Received Interest Only Note. Exception Cleared.<br>Seller Comment (2025-03-25): (Rate Lock) Corrected Note<br>Reviewer Comment (2025-02-06): A copy of the Interest Only addendum to the note was not provided. Condition remains<br>Seller Comment (2025-02-06): (Rate Lock) Delivered [Redact] via [Redact] [Redact] | 03/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222717710 | [Redact] | [Redact] | [Redact] | 32782996 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-02-05): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-05): (Rate Lock) CDA | 02/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222718840 | [Redact] | [Redact] | [Redact] | 32597004 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-01-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-01-28): (Rate Lock) [Redact] | 01/29/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222718840 | [Redact] | [Redact] | [Redact] | 32714641 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood insurance coverage is insufficient by [Redact]. Minimum required amount is the lessor of 100% replacement cost, UPB, or NFIP max of [Redact]. Lender to provide updated policy with coverage no less than [Redact]. |  |  |  | Reviewer Comment (2025-04-25): Received updated Flood insurance policy. Exception Cleared.<br>Seller Comment (2025-04-24): Attached the Flood insurance with updated coverage, the policy coverage is now [Redact]. Please Clear.<br>Reviewer Comment (2025-02-21): Required revised policy with coverage no less than [Redact]. Exception Remains.<br>Seller Comment (2025-02-20): The loan amount of [Redact] is covered by the insurance in the file. Please Cancel. | 04/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222718840 | [Redact] | [Redact] | [Redact] | 32714651 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-07): Received replacement cost estimate. Exception Cleared.<br>Seller Comment (2025-03-06): Attached the RCE.<br>Reviewer Comment (2025-02-21): The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, 80% of the appraised value is the insured value and coverage of at least [Redact] is required. The insurance is insufficient by [Redact]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-02-20): The loan amount of [Redact] is covered by the insurance in the file. Please Cancel. | 03/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222718840 | [Redact] | [Redact] | [Redact] | 32718000 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | 01/27/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222726644 | [Redact] | [Redact] |  | 32608657 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation worksheet is missing in file. |  |  |  | Reviewer Comment (2024-12-23): Received DSCR calculation worksheet. exception cleared.<br>Buyer Comment (2024-12-23): DSCR calc | 12/23/2024 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 222726644 | [Redact] | [Redact] |  | 32608658 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provided Hazard Insurance Policy is missing the annual premium. Corrected Hazard Insurance Policy is required that reflects the annual premium for monthly HOI payment. |  |  |  | Reviewer Comment (2024-12-23): Received insurance premium invoice. exception cleared.<br>Buyer Comment (2024-12-23): HOI premium | 12/23/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 222726644 | [Redact] | [Redact] |  | 32608659 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2024-12-23): Received certificate of good standing doc. exception cleared.<br>Buyer Comment (2024-12-23): COGS | 12/23/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 222726644 | [Redact] | [Redact] |  | 32608660 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  |  | Reviewer Comment (2024-12-27): Received disclosure summary which is consented by borrower on [Redact]. exception cleared<br>Buyer Comment (2024-12-26): Disclosure tracking showing delivery of RTR | 12/27/2024 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 222726644 | [Redact] | [Redact] |  | 32608661 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide an Approval |  |  |  | Reviewer Comment (2024-12-23): Received 1008 where UW comments present in terms of approval. exception cleared.<br>Buyer Comment (2024-12-23): 1008 approval | 12/23/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 222728698 | [Redact] | [Redact] | [Redact] | 32616551 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-19): Note tracking number [Redact] | 02/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222734070 | [Redact] | [Redact] | [Redact] | 32632248 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-06): Tracking Information | 03/07/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 222734070 | [Redact] | [Redact] | [Redact] | 32980588 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership counseling list was not provided. |  |  |  | Reviewer Comment (2025-03-07): Disclosure provided<br>Seller Comment (2025-03-06): List of Homeownership Counseling Organizations | 03/07/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 222734070 | [Redact] | [Redact] | [Redact] | 32980636 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | verification of employment is required and was not found in file - Missing |  |  |  | Reviewer Comment (2025-03-07): Received verification of employment. Exception Cleared.<br>Seller Comment (2025-03-06): VOE | 03/07/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 222734070 | [Redact] | [Redact] | [Redact] | 32983997 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Credit Report is more than 120 days prior to the note date. |  | Credit report is greater than 120 days old. Provide a copy of the updated credit report. Note: additional conditions may apply after receipt of updated credit. |  |  |  | Reviewer Comment (2025-03-11): Updated credit report provided<br>Seller Comment (2025-03-11): Credit Report | 03/11/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 222734261 | [Redact] | [Redact] |  | 32651461 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Buyer Comment (2025-01-17): Initial and Final Grade B, accepted. |  |  | 01/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222734261 | [Redact] | [Redact] |  | 32651536 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Subject Property is Second home. Final 1003 Section 5a. Question A "borrower occupy property as primary residence" has been answered "Yes". |  |  |  | Reviewer Comment (2025-01-21): Revised 1003 correcting the declarations section was provided<br>Seller Comment (2025-01-17): Revised 1003 | 01/21/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222734261 | [Redact] | [Redact] |  | 32659973 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The initial and final 1003 declaration section identified both borrowers would occupy the subject as a primary residence. The loan failed the high-cost testing when tested as a primary residence. |  |  |  | Reviewer Comment (2025-02-28): Client elected to waive the condition to put it in a terminal status<br>Reviewer Comment (2025-02-28): Re-grade to EV2-B with additional borrower occupancy documentation in file (second home). If primary occupancy, [Redact] points and fees would exceed 4% threshold.<br>Reviewer Comment (2025-01-23): The [Redact] HPML threshold and the [Redact] Points and Fees are exceeded, identifying the loan as non-compliant HPML. Per the condition, If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML.<br>Seller Comment (2025-01-23): LOE and Rate stack<br>Reviewer Comment (2025-01-22): The condition cannot be cleared without additional information. Since the initial file contained documentation stating the borrower would occupy the property as a primary residence, the loan is tested as primary to ensure the occupancy was not altered to avoid the loan being High Cost. As mentioned in the prior response, the full amount of discount points are being included in the High Cost testing. If any of these are considered bona fide, proof of the undiscounted rate and the undiscounted price or the amount of discount points required to obtain the undiscounted rate is required to retest the loan. Condition remains<br>Seller Comment (2025-01-22): Please advise what is needed to clear. This is not a Primary and should be not tested as a Primary. Thank you<br>Reviewer Comment (2025-01-21): The revised 1003 correcting the declaration section will not clear this condition. The loan failed the High Cost testing when tested as a primary residence. Note: the full amount of discount points are included in the points and fees testing. If any of the discount points are bona fide, provide documentation to verify the undiscounted interest rate AND the undiscounted interest rate price or the percentage of discount points required to obtain the undiscounted rate. Condition remains<br>Seller Comment (2025-01-17): Revised 1003 |  |  | 02/28/2025 | 2 C B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222734269 | [Redact] | [Redact] |  | 32643513 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-01-16): Replacement cost up to dwelling limits. Exception Cleared.<br>Seller Comment (2025-01-16): HOI policy states replacement cost up to policy limits and that agent will not share RCE | 01/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222734277 | [Redact] | [Redact] |  | 32646900 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for gift of equity used towards closing without borrower's 10% contribution as required per guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | 1.15 DSCR is > min required of 1. | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-01-17): Client elected to waive the condition with the following Comp Factors: 1.15 DSCR is gt min required of 1. LTV 71.50 is lt max allowed of 80 |  |  | 01/17/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222734279 | [Redact] | [Redact] |  | 32655966 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 01/16/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 222734281 | [Redact] | [Redact] |  | 32650495 |  | 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 ___. | Cash out exceeds the [Redact] max per the guidelines for LTV's > 65.00%. Lender exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 33.59 months reserves exceeds min required of 3 months | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-01-17): Client elected to waive the condition with the following Comp Factors: 33.59 months reserves exceeds min required of 3 months |  |  | 01/17/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222735124 | [Redact] | [Redact] | [Redact] | 32640304 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-04): Waived on Rate Lock: Collateral cleared by Custodian | 03/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222739128 | [Redact] | [Redact] | [Redact] | 32647839 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian | 03/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222745184 | [Redact] | [Redact] | [Redact] | 32649951 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-03): NOTE TRACKING: [Redact] DATE DELIVERED [Redact]. PLEASE LOCATE AND REVIEW. | 02/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222745184 | [Redact] | [Redact] | [Redact] | 32751892 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file is missing a copy of the 1031 exchange agreement and the HUD/CD to verify net proceeds of at least [Redact]. |  |  |  | Reviewer Comment (2025-02-12): 1031 exchange agreement and settlement statement provided<br>Seller Comment (2025-02-11): 1031 Exchange Docs | 02/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222748364 | [Redact] | [Redact] | [Redact] | 32659923 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| 222748364 | [Redact] | [Redact] | [Redact] | 33024004 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Verification of appraisal was delivered to borrower was not provided |  |  |  | Reviewer Comment (2025-03-18): Disclosure provided. Exception cleared.<br>Seller Comment (2025-03-17): Appraisal disclosure | 03/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| 222748364 | [Redact] | [Redact] | [Redact] | 33024005 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] |  |  |  | Reviewer Comment (2025-03-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 222748823 | [Redact] | [Redact] | [Redact] | 32665407 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-03): (Rate Lock) track# [Redact] | 03/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| 222749941 | [Redact] | [Redact] | [Redact] | 32667426 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-20): package tracking number [Redact] | 02/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222750215 | [Redact] | [Redact] | [Redact] | 32668181 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-20): (Rate Lock) Delivered [Redact] via [Redact] [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222750215 | [Redact] | [Redact] | [Redact] | 33085531 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | File does not a valid COC for this fee cure provided at closing |  |  |  | Reviewer Comment (2025-03-24): [Redact] receved a valid COC.<br>Seller Comment (2025-03-21): (Rate Lock) LOX from Compliance<br>Reviewer Comment (2025-03-21): [Redact] received valid COC dated [Redact], however fee again increased on CD dated [Redact] to [Redact]. COC dated [Redact] available in file, but it doesn't give sufficient information on why the additional inspection was required. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-03-20): (Rate Lock) LE with COC | 03/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222750215 | [Redact] | [Redact] | [Redact] | 33087740 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an approved lender exception in the file see the details below:Borrower Exception Requested:<br> Minimum Tradelines.<br> Customer Compensating Factors:<br> \*\*70 LTV is 20 below program max (90). <br> \*\*30.11 DTI is 14 below program max (45). <br> \*\*7+ year mortgage history with experience managing similar debt load ([Redact]). <br> Customer Exception Conditions:<br> \*\*Loan to close under parameters as submitted | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | \*\*70 LTV is 20 below program max (90).<br>\*\*30.11 DTI is 14 below program max (45). | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-20): Client elected to waive the condition with the following Compensating Factors:<br> \*\*70 LTV is 20 below program max (90). <br> \*\*30.11 DTI is 14 below program max (45). <br> \*\*7+ year mortgage history with experience managing similar debt load ([Redact]). |  |  | 03/20/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222750215 | [Redact] | [Redact] | [Redact] | 33354426 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines require the most recent 30 days' paystub with year to date earnings |  |  |  | Reviewer Comment (2025-05-27): Post-close WVOE provided identifying the YTD income and supporting the other docs in file. | 05/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222751357 | [Redact] | [Redact] | [Redact] | 32673773 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian | 03/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222751357 | [Redact] | [Redact] | [Redact] | 32963117 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-07): Received RCE. Exception Cleared.<br>Seller Comment (2025-03-06): RCE Letter confirming 100% replacement cost<br>Reviewer Comment (2025-03-05): It doesn't appear as though anything was updated from the previous policy. Condition remains.<br>Seller Comment (2025-03-05): HOI uploaded. | 03/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222762012 | [Redact] | [Redact] | [Redact] | 32690995 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): [Redact] | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222763342 | [Redact] | [Redact] |  | 32695897 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | PITI was excluded for exiting property for sale. Missing: the executed sales contract for the current residence, and <br> confirmation that any financing contingencies have been cleared. |  |  |  | Reviewer Comment (2025-01-09): [Redact] contract provided. PITIA from previous primary does not need to be included.<br>Buyer Comment (2025-01-08): comment from lender: [Redact] provides a non-contingent contract to purchase the borrowers departure residence if it is not sold within 90 days. They also provide an equity bridge loan on the home that will be paid in full when the property sold. The [Redact] equity loan is a 0% deferred loan, so no payment is required. With this non-contingent contract, you can also omit the PITIA on the departure residence per FNMA and FHLMC guidelines. | 01/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222763346 | [Redact] | [Redact] |  | 32695905 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE - Employment Only document is missing. |  |  |  | Reviewer Comment (2025-01-13): Verified per AUS. Paystub within 15 days of note date acceptable for VOE. Exception cleared.<br>Buyer Comment (2025-01-11): Per lender : Document was included in closed loan file. Paystub showing proof of employment within 15 business days of closing.See item 18 on the AUS | 01/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222763347 | [Redact] | [Redact] |  | 32695911 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redact] incorrectly disclosed whether the loan will have an escrow account. | TRID Final Closing Disclosure Will Not Have Escrow - Reason not provided |  |  |  | Reviewer Comment (2025-01-13): [Redact] Received Corrected PCCD and LOE.<br>Buyer Comment (2025-01-10): PCCD<br>Buyer Comment (2025-01-10): LOE |  | 01/13/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222764421 | [Redact] | [Redact] | [Redact] | 32697846 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): (Rate Lock) [Redact] | 03/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222767330 | [Redact] | [Redact] | [Redact] | 32707335 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222767330 | [Redact] | [Redact] | [Redact] | 33033142 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-03-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/13/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 222767330 | [Redact] | [Redact] | [Redact] | 33036872 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file is missing a copy of the 1008. |  |  |  | Reviewer Comment (2025-03-20): Received 1008. Exception Cleared.<br>Seller Comment (2025-03-19): (Rate Lock) 1008 | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222767562 | [Redact] | [Redact] | [Redact] | 32707876 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian | 03/19/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 222767562 | [Redact] | [Redact] | [Redact] | 33022782 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222767715 | [Redact] | [Redact] | [Redact] | 32708480 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| 222767715 | [Redact] | [Redact] | [Redact] | 33029346 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to borrower at closing. |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222768222 | [Redact] | [Redact] | [Redact] | 32708577 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-07): Tracking number is [Redact] | 02/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222770708 | [Redact] | [Redact] | [Redact] | 32717744 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-03): Waived on Rate Lock: Collateral cleared by Custodian | 03/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222774933 | [Redact] | [Redact] | [Redact] | 32718811 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): (Rate Lock) [Redact] | 03/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222775899 | [Redact] | [Redact] | [Redact] | 32719066 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-03): Collateral delivered on [Redact] via [Redact] tracking number [Redact]. | 03/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222777147 | [Redact] | [Redact] | [Redact] | 32726053 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-07): Collateral was delivered on [Redact] via [Redact] tracking [Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222778627 | [Redact] | [Redact] |  | 32738765 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception provided to allow 75% LTV Vs 70% for cash out refinance with 683 credit score. Per guidelines, minimum credit score for 75% LTV is 700. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | 83.68 months reserves<br>The DSCR of 1.21 | [Redact],Originator Pre-Close,Aggregator<br>[Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-02-06): Client elected to waive the condition with the following Comp Factor 83.68 months reserves, DSCR 1.21 |  |  | 02/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222778785 | [Redact] | [Redact] | [Redact] | 32734852 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222779135 | [Redact] | [Redact] | [Redact] | 32735734 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779135 | [Redact] | [Redact] | [Redact] | 32992636 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The difference is due to the lender qualified the borrower with a P&I payment of [Redact] for the new HELOC on the primary residence. However, the documentation in file verified a P&I payment of [Redact]. As a result, the calculated DTI is above the 50.00% maximum. |  |  |  | Reviewer Comment (2025-03-20): Updated 1008 and 1003 with higher income for borrower. Verified with two years W2 and current paystubs. Exception cleared.<br>Seller Comment (2025-03-19): Please see the updated 1008 and 1003. Please review income for [Redact] with [Redact], we should be using [Redact] (1 year + YTD average) to qualify, as the customer is a [Redact] with hours over 40 and specialty pay that is a normal part of their salary. Once updated the DTI is less than 50% | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779135 | [Redact] | [Redact] | [Redact] | 32992638 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 03/07/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779136 | [Redact] | [Redact] | [Redact] | 32735749 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222779136 | [Redact] | [Redact] | [Redact] | 33023144 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-24): [Redact] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-03-21): PCCD, LOE, [Redact], check image<br>Reviewer Comment (2025-03-17): [Redact]: required cure for 10% tolerance is [Redact]. Recording fee was increased from [Redact] to [Redact]. After 10% tolerance [Redact] - [Redact] = [Redact]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-14): Please confirm if cure amount is [Redact] |  | 03/24/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222779184 | [Redact] | [Redact] | [Redact] | 32736074 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian | 03/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779184 | [Redact] | [Redact] | [Redact] | 33087424 |  | 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. | Total assets available for Asset Depletion after closing is [Redact] or [Redact] per month in monthly income. |  |  |  | Reviewer Comment (2025-03-21): Received Closing Statement & Seller CD. Exception Cleared.<br>Seller Comment (2025-03-20): (Rate Lock) conditions | 03/21/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 222779184 | [Redact] | [Redact] | [Redact] | 33087425 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 71.34367% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Total assets available for Asset Depletion after closing is [Redact] or [Redact] per month in monthly income. |  |  |  | Reviewer Comment (2025-03-21): Received Closing Statement & Seller CD. Exception Cleared.<br>Seller Comment (2025-03-20): (Rate Lock) conditions | 03/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779184 | [Redact] | [Redact] | [Redact] | 33087427 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Total assets available for Asset Depletion after closing is [Redact] or [Redact] per month in monthly income. The 1003 shows proceeds from the sale of real estate property in the amount of [Redact], however, there is no evidence of this in file. |  |  |  | Reviewer Comment (2025-03-21): Received Closing Statement & Seller CD. Exception Cleared.<br>Seller Comment (2025-03-20): (Rate Lock) conditions | 03/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779184 | [Redact] | [Redact] | [Redact] | 33088195 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/20/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779184 | [Redact] | [Redact] | [Redact] | 33093486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2025-03-31): Estimated settlement statement dated prior to consummation was provided<br>Seller Comment (2025-03-28): (Rate Lock) Please see attached settlement statement for departure residence dated before the consummation date of [Redact].<br>Reviewer Comment (2025-03-28): Estimated Closing Statement provided is still dated post-close ([Redact]). Documentation to verify the net proceeds dated on or prior to consummation are required to clear the condition. Condition remains<br>Seller Comment (2025-03-27): (Rate Lock) estimated CD<br>Seller Comment (2025-03-27): (Rate Lock) estimated | 03/31/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 222779184 | [Redact] | [Redact] | [Redact] | 33093487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of property/Equity On Sold Property) |  |  |  | Reviewer Comment (2025-03-31): Estimated settlement statement dated prior to consummation was provided<br>Seller Comment (2025-03-28): (Rate Lock) Please see attached settlement statement for departure residence dated before the consummation date of [Redact].<br>Reviewer Comment (2025-03-28): Estimated Closing Statement provided is still dated post-close ([Redact]). Documentation to verify the net proceeds dated on or prior to consummation are required to clear the condition. Condition remains<br>Seller Comment (2025-03-27): (Rate Lock) estimated CD<br>Seller Comment (2025-03-27): (Rate Lock) estimated<br>Reviewer Comment (2025-03-25): QM/ATR regulations require all income/asset/credit to be dated at or prior to consummation to be used to qualify. The post-close assets are not acceptable. The estimated settlement statement will allow us to justify that the assets were documented prior to consummation and meet the ATR regulations.<br>Seller Comment (2025-03-24): (Rate Lock) why would you want a prelim vs a final statement and CD?<br>Reviewer Comment (2025-03-24): The CD and closing statement are dated post-closing ([Redact]). Provide a copy of the estimated settlement statement dated at or prior to consummation, [Redact]. Condition is valid and remains open<br>Seller Comment (2025-03-24): (Rate Lock) departure prop statement | 03/31/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779184 | [Redact] | [Redact] | [Redact] | 33093488 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-03-31): Estimated settlement statement dated prior to consummation was provided | 03/31/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222779556 | [Redact] | [Redact] | [Redact] | 32736293 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | 04/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| 222779560 | [Redact] | [Redact] | [Redact] | 32736392 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian | 03/19/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779560 | [Redact] | [Redact] | [Redact] | 33062827 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | CDA or other secondary valuation is required per the guidelines. |  |  |  | Reviewer Comment (2025-03-20): CDA provided. Exception cleared.<br>Seller Comment (2025-03-20): (Rate Lock) [Redact] CDA | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779560 | [Redact] | [Redact] | [Redact] | 33062850 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/17/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779565 | [Redact] | [Redact] | [Redact] | 32736486 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779565 | [Redact] | [Redact] | [Redact] | 32999107 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file was missing copy of Final 1003. |  |  |  | Reviewer Comment (2025-03-13): Received Final 1003. Exception Cleared.<br>Seller Comment (2025-03-12): Final 1003 | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779565 | [Redact] | [Redact] | [Redact] | 32999113 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing documentation to verify the taxes and insurance for the primary residence. |  |  |  | Reviewer Comment (2025-03-24): Received Insurance policy. Exception Cleared.<br>Seller Comment (2025-03-21): REO docs<br>Reviewer Comment (2025-03-19): HOI required is for [Redact]. Document provided was for subject transaction.<br>Seller Comment (2025-03-18): insurance<br>Reviewer Comment (2025-03-13): Received Tax certificate. Required Hazard Insurance. Exception Remains.<br>Seller Comment (2025-03-12): Taxes for [Redact]<br>Reviewer Comment (2025-03-11): Tax cert provided was for the subject property. The file is missing documentation to verify the PITIA expenses for the primary residence. Condition remains<br>Seller Comment (2025-03-11): Tax info sheet | 03/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222779565 | [Redact] | [Redact] | [Redact] | 32999158 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/07/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222782984 | [Redact] | [Redact] | [Redact] | 32737210 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian | 03/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| 222783110 | [Redact] | [Redact] | [Redact] | 32737498 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-07): Waived on Rate Lock: Collateral cleared by Custodian | 03/07/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222783110 | [Redact] | [Redact] | [Redact] | 32975478 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/05/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222783110 | [Redact] | [Redact] | [Redact] | 32975481 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by [Redact] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], 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 (2025-03-13): [Redact] received Letter of Explanation, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-03-12): (Rate Lock) Check for [Redact]<br>Seller Comment (2025-03-12): (Rate Lock) Just waiting on copy of check from accounting. Will provide once I have it. Should be today.<br>Reviewer Comment (2025-03-12): [Redact] received corrected PCCD. Missing Copy of Refund Check and LOE to borrower for cure.<br>Seller Comment (2025-03-11): (Rate Lock) Will provide the LOE, copy of refund check and proof of delivery once available. |  | 03/13/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222783125 | [Redact] | [Redact] | [Redact] | 32737514 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-07): Collateral was delivered on [Redact] via [Redact] tracking [Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222783287 | [Redact] | [Redact] | [Redact] | 32737614 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-07): (Rate Lock) Note tracking [Redact] | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222783733 | [Redact] | [Redact] |  | 32748332 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redact] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redact]). The disclosed Total of Payments in the amount of [Redact] is under disclosed by [Redact] compared to the calculated total of payments of [Redact] which exceeds the [Redact] threshold. | Total of payments disclosed on Final CD is [Redact]. Calculated Total of payments is [Redact]. Variance of -[Redact]. Note: additional fees were disclosed in section C of the post-close CD issued [Redact] that were not disclosed on the final CD. |  |  |  | Reviewer Comment (2025-02-06): [Redact] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD.<br>Seller Comment (2025-02-05): Refund Package |  | 02/06/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 222783733 | [Redact] | [Redact] |  | 32753165 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV of 80% exceeds guideline maximum of 75% due to credit score. Lender exception request provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Comp Factor: 63.44 months reserves exceeds min required of 12 months | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: 63.44 months reserves exceeds min required of 12 months |  |  | 02/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222783733 | [Redact] | [Redact] |  | 32753166 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV of 80% exceeds guideline maximum of 75% due to credit score. Lender exception request provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Comp Factor: 63.44 months reserves exceeds min required of 12 months | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: 63.44 months reserves exceeds min required of 12 months |  |  | 02/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222783745 | [Redact] | [Redact] |  | 32766801 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV for a cash out refinance with a FICO < 700 is 70.00%. The loan closed with an LTV/CLTV of 75.00%. Lender exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 88.55 months reserves exceeds min required of 12 months.<br>DSCR 2.15 exceeds min of 1 | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: DSCR 2.15 exceeds min of 1 + 88.55 months reserves exceeds min required of 12 months. |  |  | 02/03/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222783745 | [Redact] | [Redact] |  | 32766802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV for a cash out refinance with a FICO < 700 is 70.00%. The loan closed with an LTV/CLTV of 75.00%. Lender exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 88.55 months reserves exceeds min required of 12 months.<br>DSCR 2.15 exceeds min of 1 | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: DSCR 2.15 exceeds min of 1 + 88.55 months reserves exceeds min required of 12 months. |  |  | 02/03/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222783746 | [Redact] | [Redact] |  | 32752447 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV of 75% exceeds maximum allowed of 70% for credit score less than 700. Lender exception provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp Factor: 29.49 months reserves exceeds min required of 12 months, | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: 29.49 months reserves exceeds min required of 12 months, |  |  | 02/03/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222783746 | [Redact] | [Redact] |  | 32752449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV of 75% exceeds maximum allowed of 70% for credit score less than 700. Lender exception provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp Factor: 29.49 months reserves exceeds min required of 12 months, | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-02-03): Client elected to waive the condition with the following Comp Factor: 29.49 months reserves exceeds min required of 12 months, |  |  | 02/03/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222783747 | [Redact] | [Redact] |  | 32752609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines on a Cash Out transaction: Properties listed for sale in the past six (6) months are not allowed. Subject was recently listed for sale within 6 months on [Redact] and withdrawn [Redact]. Lender exception provided in loan file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 64.5238% LTV<br>38.23 months reserves | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-02-24): Client elected to waive the condition with the following Comp Factors: 38.23 months reserves and 64.5238% LTV |  |  | 02/24/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222789902 | [Redact] | [Redact] | [Redact] | 32742983 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-28): [Redact] | 03/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789902 | [Redact] | [Redact] | [Redact] | 32933785 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 02/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789902 | [Redact] | [Redact] | [Redact] | 32933790 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redact] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redact] | [Redact],Aggregator | Reviewer Comment (2025-03-06): Client elects to waive the condition based on the post-disaster inspection obtained prior to the declared end date. |  |  | 03/06/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789933 | [Redact] | [Redact] | [Redact] | 32743313 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-14): [Redact] | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789933 | [Redact] | [Redact] | [Redact] | 33011009 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-03-13): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-03-12): Fraud Report uploaded<br>Seller Comment (2025-03-12): Drive Report | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789933 | [Redact] | [Redact] | [Redact] | 33011033 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-03-13): Received Fraud Report. Exception Cleared. | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789933 | [Redact] | [Redact] | [Redact] | 33011328 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] |  |  |  | Reviewer Comment (2025-03-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 222789933 | [Redact] | [Redact] | [Redact] | 33011331 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-11): Sufficient Cure Provided At Closing |  | 03/11/2025 |  | 1 A |  | [Redact] | Investment | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 222789933 | [Redact] | [Redact] | [Redact] | 33012263 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | There is evidence on the final 1003 that the co-borrower intends to occupy the property as their primary residence. The loan failed the High Cost Points and Fees testing and the 5% prepay exceeds the HOEPA Prepayment Penalty Threshold. |  |  |  | Reviewer Comment (2025-03-31): LOE provided from the borrowers identifying a clerical error. All other docs in file support the property will not be occupied as a primary residence.<br>Seller Comment (2025-03-28): LOX<br>Reviewer Comment (2025-03-13): The revised 1003 will not clear this condition. The loan failed High Cost testing when tested as a primary residence due to the disparity in occupancy identified in the file. Condition is valid and remains open<br>Seller Comment (2025-03-12): URLA | 03/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222789933 | [Redact] | [Redact] | [Redact] | 33015431 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The declarations section of initial and final 1003 for the co-borrower identified the property would be occupied as a primary residence. Provide a revised final 1003. |  |  |  | Reviewer Comment (2025-03-13): Revised 1003 provided correcting the declarations section<br>Seller Comment (2025-03-12): URLA | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222790031 | [Redact] | [Redact] |  | 32744119 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2025-01-02): Original Appraisal received. Exception cleared<br>Buyer Comment (2024-12-30): Original report<br>Reviewer Comment (2024-12-24): We have received a copy of 1004 i.e. D0509 and D0515 which we already have in file with the Report Date [Redact]. We have appraisal notice document in file D0484 with appraisal sent date [Redact] which is before [Redact]. Need a copy of appraisal report with the report date [Redact]. Exception Remains.<br>Buyer Comment (2024-12-24): Appraisal | 01/02/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222790031 | [Redact] | [Redact] |  | 32744120 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-01-15): Lender unable to provide. Acknowledged non material EV2.<br>Reviewer Comment (2025-01-15): Lender comment for Disregard.. Exception remains<br>Buyer Comment (2025-01-14): Please disregard [Redact] upload - incorrect borrower/file<br>Buyer Comment (2025-01-14): Appraisal delivery<br>Reviewer Comment (2025-01-02): Updated Commentary \*\*\*Require Appraisal delivery evidence of Secondary Appraisal completed with "[Redact]". Exception Remains<br>Buyer Comment (2024-12-30): Please see uploaded report<br>Reviewer Comment (2024-12-24): We have received a copy of 1004 i.e. D0509 and D0515 which we already have in file with the Report Date [Redact]. We have appraisal notice document in file D0484 with appraisal sent date [Redact] which is before [Redact]. Need a copy of appraisal report with the report date [Redact]. Exception Remains.<br>Buyer Comment (2024-12-24): Please see uploaded reports |  |  | 01/15/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222790031 | [Redact] | [Redact] |  | 32744121 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-01-15): Lender unable to provide. Acknowledged non material EV2.<br>Reviewer Comment (2025-01-02): Updated Commentary \*\*\*Require Appraisal delivery evidence of Additional Secondary Valuation (AVM) completed with "[Redact]" Exception Remains<br>Buyer Comment (2024-12-30): Please see uploaded report<br>Reviewer Comment (2024-12-24): We have received a copy of 1004 i.e. D0509 and D0515 which we already have in file with the Report Date [Redact]. We have appraisal notice document in file D0484 with appraisal sent date [Redact] which is before [Redact]. Need a copy of appraisal report with the report date [Redact]. Exception Remains.<br>Buyer Comment (2024-12-24): Please see uploaded reports |  |  | 01/15/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222790344 | [Redact] | [Redact] | [Redact] | 32744881 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-03): [Redact] | 03/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222790429 | [Redact] | [Redact] | [Redact] | 32745140 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-03): Waived on Rate Lock: Collateral cleared by Custodian | 03/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222790429 | [Redact] | [Redact] | [Redact] | 32918764 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  |  |  |  |  |  | 02/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222790629 | [Redact] | [Redact] | [Redact] | 32745951 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-03): Waived on Rate Lock: Collateral cleared by Custodian | 03/03/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222790629 | [Redact] | [Redact] | [Redact] | 32943706 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing the most recent 2 years 1099 transcripts or 2 years personal transcripts for the co-borrower. |  |  |  | Reviewer Comment (2025-03-11): 1099 transcripts provided<br>Seller Comment (2025-03-10): W2 Transcripts | 03/11/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222790629 | [Redact] | [Redact] | [Redact] | 32943750 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing documentation to verify the taxes, insurance and any HOA dues for the primary residence. |  |  |  | Reviewer Comment (2025-03-04): Received tax, Insurance and HOA. Exception Cleared.<br>Seller Comment (2025-03-04): Please see the HOA, HOI and Tax verification for [Redact]. | 03/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222790629 | [Redact] | [Redact] | [Redact] | 32943765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2025-03-06): [Redact] received e-consent suffice.<br>Seller Comment (2025-03-05): Please review again. Page 3 shows [Redact] as the e-sign consent date. [Redact] is the intent to proceed date. I have extracted page 3 and highlighted the date.<br>Reviewer Comment (2025-03-05): The consumer went through the eConsent process on [Redact], the consumer acknowledged the receipt of the LE on [Redact]. But the loan application date was [Redact]. In the event the consumer had not provided eConsent by [Redact], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Seller Comment (2025-03-04): E-Sign Consent Agreement | 03/06/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222790629 | [Redact] | [Redact] | [Redact] | 32944335 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-02-27): Sufficient Cure Provided At Closing |  | 02/27/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222790629 | [Redact] | [Redact] | [Redact] | 32944336 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-02-27): Sufficient Cure Provided At Closing |  | 02/27/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222790660 | [Redact] | [Redact] | [Redact] | 32746069 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-14): Waived on Rate Lock: Collateral cleared by Custodian | 03/14/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| 222790660 | [Redact] | [Redact] | [Redact] | 33019507 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing Homeownership Counseling List |  |  |  | Reviewer Comment (2025-03-14): Disclosure provided<br>Seller Comment (2025-03-14): tracking<br>Seller Comment (2025-03-14): homeownership list | 03/14/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| 222790716 | [Redact] | [Redact] |  | 32746380 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  | [Redact] and [Redact] driving licenses not provided. |  |  |  | Reviewer Comment (2025-01-14): Received Driver's license. Exception Cleared.<br>Buyer Comment (2025-01-13): [Redact] DL<br>Reviewer Comment (2025-01-13): Received driver's license for [Redact]. File is missing driver's license for [Redact]. Exception remains.<br>Buyer Comment (2025-01-10): see attached | 01/14/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746382 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final credit application or 1003 is missing. |  |  |  | Reviewer Comment (2024-12-18): Per lender property management questionnaire can be used for 1003.<br>Buyer Comment (2024-12-18): Property Questionnaire considered application. Please remove. | 12/18/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746383 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-01-10): Received Certificate of good standing. exception Cleared<br>Buyer Comment (2025-01-09): Certificate of Good Standing | 01/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746384 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-01-08): Acknowledged as non-material grade B per investor request. |  |  | 01/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746385 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-01-08): Acknowledged as non-material grade B per investor request. |  |  | 01/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746386 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-01-08): Acknowledged as non-material grade B per investor request. |  |  | 01/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746387 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] Late Charge Percent Testing | [Redact] Late Charge: Note late charge percent of [Redact] exceeds the state maximum of 5%. |  |  |  |  | Buyer Comment (2024-12-18): Acknowledged non material |  |  | 12/18/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746388 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Missing pay-off statement from [Redact] for [Redact]. |  |  |  | Reviewer Comment (2025-01-10): Received Mortgage Payoff Statement. Exception Cleared<br>Buyer Comment (2025-01-09): Per Lender: Payoff for [Redact]. There were fifteen (15) days of accrued interest added to the final payoff on HUD. Thanks. | 01/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790716 | [Redact] | [Redact] |  | 32746389 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: State appraiser was licensed in was not provided. |  | Appraiser license is expired. Provided updated Appraiser license. Expired [Redact]. |  |  |  | Reviewer Comment (2025-01-10): Received updated Appraiser license. Exception Cleared.<br>Buyer Comment (2025-01-09): see attached | 01/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222790798 | [Redact] | [Redact] | [Redact] | 32746656 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-07): [Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222790798 | [Redact] | [Redact] | [Redact] | 32978713 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-03-10): Received E-Sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-03-07): E-consent | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222790798 | [Redact] | [Redact] | [Redact] | 32978720 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO's. All three appear to be new loans with the lender of the subject loan and a copy of the CD verifying the PITIA is acceptable. |  |  |  | Reviewer Comment (2025-03-14): Received updated 1003 with new PITI & Mortgage Statements. Exception Cleared.<br>Seller Comment (2025-03-13): 1003<br>Reviewer Comment (2025-03-10): Provided Closing Disclosures PITI was not matching with final 1003. Required supporting documents to verify PITIA. Exception Remains.<br>Seller Comment (2025-03-07): [Redact] just closed so I don't have signed CD just yet so I provided the one from the closing package<br>Seller Comment (2025-03-07): [Redact] | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222790798 | [Redact] | [Redact] | [Redact] | 32978764 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32746670 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-02-28): tracking [Redact] # [Redact] | 03/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32924920 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO's. |  |  |  | Reviewer Comment (2025-03-04): Received Closing Disclosure & 1003 with new PITI - Exception Cleared.<br>Seller Comment (2025-03-03): For [Redact] the 1003 matches the final cd. PITI is [Redact]. Updated 1003<br>Seller Comment (2025-03-03): For [Redact]. New [Redact] loan which closed on [Redact] Attached final Cd, Note and 1003.<br>Reviewer Comment (2025-03-03): Provided CD/Note/First Payment Letter PITI not matching with final 1003. As per final 1003 PITI is [Redact] required supporting documents to verify PITIA. Also, the statement required for Property#[Redact]. Exception Remains.<br>Seller Comment (2025-02-28): Final Cd, First Payment letter & Note. | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32924934 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-03-05): Secondary valuation provided<br>Seller Comment (2025-03-05): uploaded CDA<br>Reviewer Comment (2025-02-27): For loans reviewed to any other guidelines, a CDA is required regardless of the CU Score. Exception Remains.<br>Seller Comment (2025-02-27): per guidelines it appears only one appraisal is needed. loan amount less than or equal to [Redact] and our loan amount is [Redact] | 03/05/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32924938 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 02/25/2025 | 2 B |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32925037 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 02/25/2025 | 2 B |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222790801 | [Redact] | [Redact] | [Redact] | 32925134 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount." |  |  |  | Reviewer Comment (2025-03-10): Revised RCE provided<br>Seller Comment (2025-03-07): email from HOI agent to explain<br>Seller Comment (2025-03-07): I have a revised RCE for a condo unit attached. This shows current coverage has almost double the sufficient amount to fully replace the interior.<br>Reviewer Comment (2025-03-07): The HOI coverage of [Redact] is insufficient by [Redact]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition is valid and remains open.<br>Seller Comment (2025-03-06): see attached info from HOI agent this is a condo<br>Reviewer Comment (2025-03-04): An additional copy of the RCE verifying the replacement cost as [Redact] was provided. The HOI coverage of [Redact] is insufficient by [Redact]. Condition is valid and remains open<br>Seller Comment (2025-03-04): see attached RCE<br>Reviewer Comment (2025-03-02): Replacement cost [Redact] already included. Still insurance is insufficient by [Redact]. The GSE method was used to determine the coverage requirement. Required supporting RCE with dwelling coverage to cover shortfall. Exception Remains.<br>Seller Comment (2025-02-28): the RCE was provided see D0331 and it shows estimated replacement cost of [Redact] and our loan amount is for [Redact] please cancel condition.<br>Reviewer Comment (2025-02-27): The GSE method was used to determine the coverage requirement. Required supporting RCE with dwelling coverage to cover shortfall. Exception Remains.<br>Seller Comment (2025-02-27): see D0331 in your file which is the RCE and shows enough coverage please cancel condition as this was originally provided | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 222791707 | [Redact] | [Redact] |  | 32768294 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  |  |  |  |  | Reviewer Comment (2025-02-04): Initial LE provided<br>Seller Comment (2025-02-04): LE | 02/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791707 | [Redact] | [Redact] |  | 32768295 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing a copy of the initial 1003. |  |  |  | Reviewer Comment (2025-02-04): Initial 1003 provided<br>Seller Comment (2025-02-04): initial 1003 | 02/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791707 | [Redact] | [Redact] |  | 32768304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy was missing in file. |  |  |  | Reviewer Comment (2025-02-04): Initial LE provided<br>Seller Comment (2025-02-04): Right to Receive an Appraisal | 02/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791707 | [Redact] | [Redact] |  | 32768350 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | File contains revised/updated appraisal with lower value of [Redact]. Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Borrower's Own Funds Percent: 35.19%; Borrower's Own Funds Amount: [Redact] | [Redact],Aggregator | Reviewer Comment (2025-03-03): Client elected to waive the condition with the following compensating factor: Borrower's Own Funds Percent: 35.19%; Borrower's Own Funds Amount: [Redact] |  |  | 03/03/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791707 | [Redact] | [Redact] |  | 32768351 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | File contains revised/updated appraisal with lower value of [Redact]. Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Borrower's Own Funds Percent: 35.19%; Borrower's Own Funds Amount: [Redact] | [Redact],Aggregator | Reviewer Comment (2025-03-03): Client elected to waive the condition with the following compensating factor: Borrower's Own Funds Percent: 35.19%; Borrower's Own Funds Amount: [Redact] |  |  | 03/03/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791708 | [Redact] | [Redact] |  | 32767935 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Buyer Comment (2025-02-04): Initial and Final Grade B, accepted |  |  | 02/04/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222791708 | [Redact] | [Redact] |  | 32768070 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | lender exception from the investor was not provided. | Borrower has verified disposable income of at least [Redact].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Disposable income of [Redact] monthly | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-02-05): Client elected to waive the condition with the following Comp Factor: Disposable income of [Redact] monthly<br>Reviewer Comment (2025-02-05): Lender exception approval provided. Elevating to the client for review<br>Seller Comment (2025-02-04): Exception |  |  | 02/05/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222791708 | [Redact] | [Redact] |  | 32768071 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | lender exception from the investor was not provided. | Borrower has verified disposable income of at least [Redact].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | Disposable income of [Redact] monthly | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-02-05): Client elected to waive the condition with the following Comp Factor: Disposable income of [Redact] monthly<br>Reviewer Comment (2025-02-05): Lender exception approval provided. Elevating to the client for review<br>Seller Comment (2025-02-04): Exception |  |  | 02/05/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222791708 | [Redact] | [Redact] |  | 32769313 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 02/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222791724 | [Redact] | [Redact] |  | 32771151 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Novice investor minimum credit score requirements is 680. Lender approved exception provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | 98.53 months reserves exceeds min required of 12 months. | [Redact],Originator Pre-Close,Aggregator<br>[Redact] | Reviewer Comment (2025-02-05): Client elected to waive the condition with the following Comp Factor: 98.53 months reserves exceeds min required of 12 months. |  |  | 02/05/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222791866 | [Redact] | [Redact] | [Redact] | 32753368 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791866 | [Redact] | [Redact] | [Redact] | 32970284 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791866 | [Redact] | [Redact] | [Redact] | 32970285 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791866 | [Redact] | [Redact] | [Redact] | 32975360 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO. Note: all three REO's not documented were closed with the same lender. A copy of the CD verifying the PITIA is acceptable. |  |  |  | Reviewer Comment (2025-03-11): Received CD for 3 properties. Exception Cleared.<br>Seller Comment (2025-03-11): CD<br>Seller Comment (2025-03-11): CD's | 03/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222791987 | [Redact] | [Redact] | [Redact] | 32753750 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): [Redact] | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222791987 | [Redact] | [Redact] | [Redact] | 32950638 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 02/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222791987 | [Redact] | [Redact] | [Redact] | 32950639 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 02/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222791987 | [Redact] | [Redact] | [Redact] | 32956755 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The city disclosed on the CDA did not match the city disclosed on the Note. Note: title identified the city as [Redact] as did the CDA, but all other docs in file identified the city as [Redact], including the note. Updated CDA and title correctly identifying the city as [Redact] is required or if [Redact] is correct, revised Note, Mortgage and Riders (with proof of re-recording), CD, 1003, and HOI are required. |  |  |  | Reviewer Comment (2025-03-11): Address certification provided from the lender attesting that the address variances are one and the same<br>Seller Comment (2025-03-11): Address Certification uploaded!<br>Reviewer Comment (2025-03-10): Lender rebuttal reviewed. Diligence performed a [Redact] zip code look-up and the city name of [Redact] is not associated with the zip code disclosed on all docs. [Redact] is associated with the zip code. Provide a revised appraisal, Note, Mortgage and all riders, and a post-close CD correcting the city to [Redact]. Proof of re-recording of the mortgage and riders is also required. Note: a fully executed address certification confirming the address are one and the same will allow the condition to be cleared.<br>Seller Comment (2025-03-07): Supporting Documentation (property summary)<br>Seller Comment (2025-03-07): Please read Title's response regarding the City and please see supporting documentation also attached. | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222791987 | [Redact] | [Redact] | [Redact] | 32956756 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The city disclosed on the HOI did not match the city disclosed on the Note. Note: title identified the city as [Redact] as did the CDA, HOI identified the city as [Redact] Gardens, and all other docs in file identified the city as [Redact], including the note. |  |  |  | Reviewer Comment (2025-03-11): Address certification provided from the lender attesting that the address variances are one and the same | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222796716 | [Redact] | [Redact] |  | 32778512 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-02-20): Received RCE. Exception Cleared.<br>Seller Comment (2025-02-20): HOI Agent Email Attachment<br>Seller Comment (2025-02-20): HOI Agent Email | 02/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222796885 | [Redact] | [Redact] |  | 32779303 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | IPC exceeds max allowed of 3% of the loan amount. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | 9.48 months exceeds min required of 4 months. | [Redact],Originator Pre-Close,Aggregator<br>[Redact] | Reviewer Comment (2025-02-05): Client elected to waive the condition with the following Comp Factor: 9.48 months exceeds min required of 4 months. |  |  | 02/05/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222801363 | [Redact] | [Redact] | [Redact] | 32771744 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-04): tracking #[Redact] | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222801530 | [Redact] | [Redact] | [Redact] | 32772386 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian | 03/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222801530 | [Redact] | [Redact] | [Redact] | 32962888 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of 657 is less than Guideline representative FICO score of 680. Client made an exception for the FICO; however a copy of the fully executed exception approval from the client was not in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | LTV: 50 where 80 is maximum<br>Client elect to waive with compensating factors: DTI 23 where the maximum is 50 | Originator Pre-Close,Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-03-18): Trailing docs contained email approval from Client with Lender Exception approval form. Client elect to waive with compensating factors:<br> DTI 23 where the maximum is 50<br> LTV: 50 where 80 is maximum<br>Seller Comment (2025-03-17): Please see attached approved exception form.<br>Seller Comment (2025-03-14): Can you please escalate this to the buyer? They approved the exception request in the email previously provided. We are losing time<br>Seller Comment (2025-03-14): Can you please escalate this to the buyer? They approved the exception request in the email provided. We are losing time<br>Reviewer Comment (2025-03-11): The exception request form provided was not fully executed by the client. The bottom section must be signed and completed identifying the allowable tolerances. Condition remains<br>Seller Comment (2025-03-10): See attached approval form and email verification<br>Reviewer Comment (2025-03-06): The documentation provided is still not acceptable to be able to downgrade and waive the condition. The fully executed Exception Request Form is required. This one page document was provided by the client and includes the exception details, client comp factors, client signature, and the allowable tolerances. Condition remains Note: email chain approving the exceptions references "Be sure to include the exception form with your final credit package".<br>Seller Comment (2025-03-05): see attached for both exceptions<br>Reviewer Comment (2025-03-05): The formal exception approval form from the client is required to identify the allowable tolerances. The email chain is not acceptable. Condition remains<br>Seller Comment (2025-03-04): see attached |  |  | 03/18/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222801530 | [Redact] | [Redact] | [Redact] | 32966773 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOA does not include the property manager as an additional insured on the Master Policy - [Redact] Coverage endorsement. Client made an exception for the Master Policy; however a copy of the fully executed exception approval from the client was not in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | LTV: 50 where 80 is maximum<br>Client elect to waive with compensating factors: DTI 23 where the maximum is 50 | Originator Pre-Close,Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-03-18): Trailing docs contained email approval from Client with Lender Exception approval form. Client elect to waive with compensating factors:<br> DTI 23 where the maximum is 50<br> LTV: 50 where 80 is maximum<br>Seller Comment (2025-03-17): Please see attached approved exception form. |  |  | 03/18/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222801530 | [Redact] | [Redact] | [Redact] | 32966778 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | The file was missing a copy of the fully executed exception approval from the client. |  |  |  | Reviewer Comment (2025-03-18): Received Lender Exception(s). Exception Cleared.<br>Seller Comment (2025-03-17): Please see attached approved exception form. | 03/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222801923 | [Redact] | [Redact] | [Redact] | 32774030 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-12): collateral delivered [Redact] via [Redact] tracking [Redact] | 03/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222802479 | [Redact] | [Redact] | [Redact] | 32774664 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-06): tracking # [Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222804490 | [Redact] | [Redact] | [Redact] | 32781572 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| 222804824 | [Redact] | [Redact] | [Redact] | 32782793 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222805435 | [Redact] | [Redact] | [Redact] | 32784669 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-06): TRACKING # [Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222808372 | [Redact] | [Redact] | [Redact] | 32790550 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-12): Collateral tracking details | 03/13/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222808372 | [Redact] | [Redact] | [Redact] | 33012430 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of the HOA Verification, Insurance Verification and Tax Verification for the primary residence |  |  |  | Reviewer Comment (2025-03-13): Received HOA Verification, Insurance Verification and Tax Verification. Exception Cleared.<br>Seller Comment (2025-03-12): REO docs | 03/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222808372 | [Redact] | [Redact] | [Redact] | 33012442 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/11/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222808372 | [Redact] | [Redact] | [Redact] | 33012443 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-03-13): Disclosure provided<br>Seller Comment (2025-03-12): Home ownership list | 03/13/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222808372 | [Redact] | [Redact] | [Redact] | 33015580 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum open tradelines per guidelines. |  | The guidelines require that the borrowers have at least 3 open tradelines, however, they only have 2. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 20.57. DTI is 24 below max (45). | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-03-11): Client elected to waive the condition with the following Compensating Factors:<br> Credit depth dating to 1990 (34 years paid as agreed) including 19-year mortgage history paid as agreed.<br> 20.57. DTI is 24 below max (45). <br> Demonstrated ability to save; [Redact] post-close reserves (92 months; or 7x requirement). |  |  | 03/11/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 222835671 | [Redact] | [Redact] | [Redact] | 32794804 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-07): (Rate Lock) Note tracking [Redact] | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| 222836405 | [Redact] | [Redact] | [Redact] | 32796837 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-11): Tracking attached to confirm delivery [Redact] | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 222836405 | [Redact] | [Redact] | [Redact] | 32993480 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 222836621 | [Redact] | [Redact] | [Redact] | 32796914 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-14): Waived on Rate Lock: Collateral cleared by Custodian | 03/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| 222836627 | [Redact] | [Redact] | [Redact] | 32796921 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-17): collateral delivered [Redact] via [Redact] tracking [Redact] | 03/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 222861292 | [Redact] | [Redact] |  | 32810890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan was qualified using short term rental income. The rental income source verified a 47% occupancy rate. Lender exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The representative FICO score is above 680. | 20.92 months of reserves<br>monthly residual income of [Redact]. | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-13): Client elected to waive the condition with the following Comp Factors: 20.92 months of reserves and monthly residual income of [Redact]. |  |  | 02/13/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222861292 | [Redact] | [Redact] |  | 32814034 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Borrower has 12 REO's including subject and the max allowed by the guides is 6. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The representative FICO score is above 680. | 20.92 months of reserves<br>monthly residual income of [Redact]. | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-13): Client elected to waive the condition with the following Comp Factors: 20.92 months of reserves and monthly residual income of [Redact]. |  |  | 02/13/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222861295 | [Redact] | [Redact] |  | 32808483 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-02-10): Received CDA. Exception Cleared.<br>Seller Comment (2025-02-10): CDA | 02/10/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222862302 | [Redact] | [Redact] | [Redact] | 32801583 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222862305 | [Redact] | [Redact] | [Redact] | 32801709 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222862305 | [Redact] | [Redact] | [Redact] | 33081900 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The policy coverage is less than the loan amount. |  |  |  |  |  |  | 03/19/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222862305 | [Redact] | [Redact] | [Redact] | 33081970 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing a copy of the CDA. |  |  |  | Reviewer Comment (2025-03-26): CDA provided<br>Seller Comment (2025-03-25): [Redact]: See attached CDA | 03/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222862305 | [Redact] | [Redact] | [Redact] | 33082172 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-03-26): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/26/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222862305 | [Redact] | [Redact] | [Redact] | 33082175 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | [Redact] Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  | Reviewer Comment (2025-04-16): NTB worksheet provided<br>Seller Comment (2025-04-15): Please see attached | 04/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 222864852 | [Redact] | [Redact] |  | 32815830 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The file is missing a copy of the Hazard Insurance policy. |  |  |  | Reviewer Comment (2025-02-11): Dec page provided<br>Seller Comment (2025-02-11): HOI | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 32811568 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-11): Tracking Information | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 33005495 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided |  | The file was missing copy of Mortgage loan payoff document. |  |  |  | Reviewer Comment (2025-03-12): Received Mortgage Payoff Statement. Exception Cleared.<br>Seller Comment (2025-03-11): Payoff<br>Seller Comment (2025-03-11): Payoff Statement | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 33005498 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing documentation to verify the PITIA for the primary residence. |  |  |  | Reviewer Comment (2025-03-12): Received Insurance Verification, Mortgage Statement, Tax Verification. Exception Cleared.<br>Seller Comment (2025-03-11): REO Documents | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 33005536 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Per borrower, the [Redact] is deferred financing, recouping cash purchase funds 16 months earlier. To allow transaction as R/T despite [Redact] [Redact] amendment made to first and only lien dated, a private note dated [Redact]. The amendment was made within 6 months of subject's closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 46.59 LTV is 18 below max (65). | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-10): Client elected to waive the condition with the following Compensating Factors:<br> 46.59 LTV is 18 below max (65). <br> Credit depth: 24-year trade history and 19-year mortgage history paid as agreed<br> REO equity; [Redact] on primary residence |  |  | 03/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 33005550 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-12): RCE provided<br>Seller Comment (2025-03-12): RCT | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 222864883 | [Redact] | [Redact] | [Redact] | 33007227 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | The file is missing the fully executed Occupancy Cert or Business Purpose Cert to test as Exempt |  |  |  | Reviewer Comment (2025-03-12): Fully executed Business Purpose/Occupancy Cert provided<br>Seller Comment (2025-03-11): Business Purpose | 03/12/2025 |  |  | 1 B A C |  | [Redact] | Investment | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Exempt from ATR | Exempt from ATR | Yes |
| 222864988 | [Redact] | [Redact] | [Redact] | 32812102 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-14): Waived on Rate Lock: Collateral cleared by Custodian | 03/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222864988 | [Redact] | [Redact] | [Redact] | 33021523 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | The DSCR of 0.94 is less than the guideline minimum of 1.00. The client made an exception for the DSCR; however the file is missing a copy of the fully executed client approval. |  |  |  | Reviewer Comment (2025-03-14): Received Lender Exception. Exception Cleared.<br>Seller Comment (2025-03-13): Approval | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222866759 | [Redact] | [Redact] | [Redact] | 32813082 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian | 03/19/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Home Improvement | A |  | N/A | No |
| 222892078 | [Redact] | [Redact] | [Redact] | 32828870 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-14): (Rate Lock) [Redact] | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222892267 | [Redact] | [Redact] | [Redact] | 32829120 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-14): [Redact] | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222892412 | [Redact] | [Redact] | [Redact] | 32829335 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-05): Waived on Rate Lock: Collateral cleared by Custodian | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222893741 | [Redact] | [Redact] | [Redact] | 32829612 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-24): The tracking for the note is [Redact] | 03/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222893741 | [Redact] | [Redact] | [Redact] | 33031455 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 03/14/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222893741 | [Redact] | [Redact] | [Redact] | 33031457 |  | 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 (2025-03-26): Revised 1008 updating the qualification method and payment.<br>Seller Comment (2025-03-25): Revised 1008<br>Reviewer Comment (2025-03-24): The guideline qualification method does not match the prescribed ATR requirement under 1026.43(c)(5), The condition is valid. A revised 1008 qualifying with the P&I based on the the greater of the Note rate or the fully indexed rate at the fully amortized payment will clear the condition. Condition remains<br>Seller Comment (2025-03-21): I don't agree with this suspense as we followed the published guidelines. The loan qualified using [Redact] note rate, DTI was 28.89%. Fully indexed rate is [Redact], if rounded to the nearest eighth and qualified using [Redact] then the DTI increases to 30.543%. There are no changes to pricing for this DTI variance which is under 2%. Citing the loan as "understating" the DTI is really a non-issue.<br>Reviewer Comment (2025-03-20): Note rate is what is captured as the qualifying method. Condition remains.<br>Seller Comment (2025-03-19): The guidelines only show to use the note vs fully indexed on Interest Only loans. This was a fully amortized ARM and was not a HPML or HPCT loan either. The guideline states that the 7/6 and 10/6 ARM uses the note rate to determine qualifying payment when it is not HPML or HPCT | 03/26/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 222893741 | [Redact] | [Redact] | [Redact] | 33031458 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR result = Understated DTI | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under 1026.43(c)(5), the method rendered a DTI less than that prescribed under ATR. | Per the guidelines, 7/6 ARM's are qualified using the Note Rate. However, the prescribed qualifying method for 7/6 ARM's is the greater of the Note rate or the fully indexed rate at the fully amortized payment. Note: the tape data and the 1008 qualified with the note rate. |  |  |  | Reviewer Comment (2025-03-26): Revised 1008 updating the qualification method and payment.<br>Seller Comment (2025-03-25): Revised 1008<br>Reviewer Comment (2025-03-24): The guideline qualification method does not match the prescribed ATR requirement under 1026.43(c)(5), The condition is valid. A revised 1008 qualifying with the P&I based on the the greater of the Note rate or the fully indexed rate at the fully amortized payment will clear the condition. Condition remains<br>Seller Comment (2025-03-21): I don't agree with this suspense as we followed the published guidelines. The loan qualified using [Redact] note rate, DTI was 28.89%. Fully indexed rate is [Redact], if rounded to the nearest eighth and qualified using [Redact] then the DTI increases to 30.543%. There are no changes to pricing for this DTI variance which is under 2%. Citing the loan as "understating" the DTI is really a non-issue.<br>Reviewer Comment (2025-03-20): Note rate is what is captured as the qualifying method. Condition remains.<br>Seller Comment (2025-03-19): The guidelines only show to use the note vs fully indexed on Interest Only loans. This was a fully amortized ARM and was not a HPML or HPCT loan either. The guideline states that the 7/6 and 10/6 ARM uses the note rate to determine qualifying payment when it is not HPML or HPCT | 03/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222894210 | [Redact] | [Redact] | [Redact] | 32830216 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-20): collateral delivered [Redact] via [Redact] tracking [Redact] | 03/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 222894210 | [Redact] | [Redact] | [Redact] | 33042742 |  | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Log homes are ineligible per guidelines. |  | Subject is a log cabin and is ineligible per the guidelines. A client exception was made for the property type. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Post close assets: [Redact] ([Redact]) 556 months reserve where 6 months is required (92X) | [Redact]<br>[Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-03-14): Client elected to waive the condition with the following Compensating Factors:<br> DSCR 1.72 where 1.25 is required. <br> Post close assets: [Redact] (1008) 556 months reserve where 6 months is required (92X)<br> Marketability: 5 below maximum financing and market well supports log homes with 6 comparables provided. |  |  | 03/14/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 222894319 | [Redact] | [Redact] | [Redact] | 32830282 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-20): Waived on Rate Lock: Collateral cleared by Custodian | 03/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 32835919 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-13): Note delivered via [Redact] [Redact] | 03/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33012111 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing the most recent year's 1099 transcript. The 2024 transcript shows no record of return filed. |  |  |  | Reviewer Comment (2025-03-19): Transcript provided. Exception cleared.<br>Seller Comment (2025-03-18): Transcripts | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33012180 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the appraisal and a valid secondary valuation for securitization purposes |  |  |  | Reviewer Comment (2025-03-14): Received Appraisal Report. Exception Cleared. | 03/14/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33012238 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  | Reviewer Comment (2025-03-14): Received Appraisal Report. Exception Cleared. | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33012251 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file was missing a copy of the appraisal report |  |  |  | Reviewer Comment (2025-03-14): Received Appraisal Report. Exception Cleared.<br>Seller Comment (2025-03-13): Appraisal | 03/14/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33019924 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | The final CD and post-close CD identified the appraisal and appraisal review fee paid to "TBD". Provide a post-close CD identifying the payee for these fees. |  |  |  | Reviewer Comment (2025-03-14): PCCD provided updating the payee<br>Seller Comment (2025-03-13): PCCD | 03/14/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 222894632 | [Redact] | [Redact] | [Redact] | 33019931 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the [Redact] rent on the subject, used to qualify. |  |  |  | Reviewer Comment (2025-03-14): Received Comparable Rent Schedule. Exception Cleared.<br>Seller Comment (2025-03-13): 1007 | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33019937 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the primary housing expense. The subject property was the prior primary residence and is being converted to an investment property. The primary housing expense of [Redact] was included in the DTI. Provide documentation to verify the expense and a revised 1003 identifying the new primary residence address. |  |  |  | Reviewer Comment (2025-03-14): Revised 1008 provided. Primary residence has not been purchased at the time of closing and expense was removed from the 1008 and ratios.<br>Seller Comment (2025-03-14): This loan is unique in that the borrower intends to eventually purchase a new primary, so this transaction was completed as an investment. There's not a second housing expense, only the subject. Attached is an updated 1008 showing the current primary residence payment as [Redact], since the entire PITIA of [Redact] is being accounted for as negative rent | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33037672 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 03/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33040142 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Updated condition: Response from seller provided regarding the future primary residence, as the departure residence is now an investment property. Additional information is required. The current and mailing address on the final 1003 is the subject address. A LOE from the borrower or an updated 1003 identifying a current and mailing address, other than the subject property, is required. |  |  |  | Reviewer Comment (2025-03-27): LOE from borrower provided<br>Seller Comment (2025-03-26): LOX<br>Reviewer Comment (2025-03-21): Investment loan and the current and mailing address on final 1003 is the subject address. Response from Seller provided regarding the future primary residence, as the departure residence (subject property) is now an investment. Seller provided pre-approval for a new loan which is intended to purchase borrower's new primary. No other docs were provided to support this. Client to review and advise if they wish to make an exception.<br>Seller Comment (2025-03-20): Please provide the guidelines requiring additional information as the pre-approval should be sufficient enough to evidence the borrower has intent to move<br>Reviewer Comment (2025-03-19): Response from seller provided regarding the future primary residence, as the departure residence is now an investment property. Additional information is required. The current and mailing address on the final 1003 is the subject address. A LOE from the borrower or an updated 1003 identifying a current and mailing address, other than the subject property, is required.<br>Seller Comment (2025-03-18): Property address is correct on all docs as borrower residing in property at time of application and closing but property will be investment. Borrower is pre-approved for another loan with Rate for primary purchase | 03/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894632 | [Redact] | [Redact] | [Redact] | 33134241 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The letter of explanation from the borrower regarding the current address, identified the borrower was occupying the subject property as their primary residence until a new primary residence was purchased. Based on the letter of explanation and other documentation in file, unable to determine the length of the borrower's occupancy of the subject and as a result, a discrepancy in the occupancy occurred and the loan was tested as a primary residence. The loan fails the high cost testing due to the prepayment penalty > 2% (3%/2%/1%). |  |  |  | Reviewer Comment (2025-03-28): Additional documentation provided verifying the intent of the subject and occupancy discrepancy. The borrower has been preapproved for a mortgage on a primary residence and has not located a property yet.<br>Seller Comment (2025-03-27): Please see attached. Thank you.<br>Seller Comment (2025-03-27): We have evidenced the borrower is working on obtaining a new primary residence as we provided a copy of his pre-approval. Please advise why that is not sufficient to address this further | 03/28/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| 222894822 | [Redact] | [Redact] |  | 32841159 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-02-13): Received project approval. Exception Cleared.<br>Seller Comment (2025-02-13): Condo Warranty | 02/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222895461 | [Redact] | [Redact] | [Redact] | 32837592 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222895461 | [Redact] | [Redact] | [Redact] | 32963614 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 03/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222895461 | [Redact] | [Redact] | [Redact] | 32966795 |  | 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. | Condition will be cleared when all ATR/Guideline conditions are cleared |  |  |  | Reviewer Comment (2025-03-12): Revised 1008 provided verifying lender qualified with a higher rate<br>Seller Comment (2025-03-11): 1008 uploaded.<br>Seller Comment (2025-03-11): 1008<br>Reviewer Comment (2025-03-07): The guidelines identify the qualifying rate as the Note rate; however the ATR prescribed qualifying rate under 1026.43(c)(5) is the Greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment. The difference in the qualification methods resulted in a higher DTI than the lender qualified with. A revised 1008, updating the qualifying rate using the ATR method will allow the condition to be cleared since the DTI is still below the guideline max. Condition is valid and remains open<br>Seller Comment (2025-03-06): This is only applicable to 5/6 ARM products. 7/6 and 10/6 products are qualified off the note rate. Please clear. | 03/12/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 222895461 | [Redact] | [Redact] | [Redact] | 32966796 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR result = Understated DTI | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under 1026.43(c)(5), the method rendered a DTI less than that prescribed under ATR. | Per the guidelines, 7/6 ARM's are qualified using the Note Rate. However, the prescribed qualifying method for 7/6 ARM's is the greater of the Note rate or the fully indexed rate at the fully amortized payment. Note: the tape data and the 1008 qualified with the note rate. |  |  |  | Reviewer Comment (2025-03-12): Revised 1008 provided verifying lender qualified with a higher rate<br>Seller Comment (2025-03-11): 1008<br>Reviewer Comment (2025-03-07): The guidelines identify the qualifying rate as the Note rate; however the ATR prescribed qualifying rate under 1026.43(c)(5) is the Greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment. The difference in the qualification methods resulted in a higher DTI than the lender qualified with. A revised 1008, updating the qualifying rate using the ATR method will allow the condition to be cleared since the DTI is still below the guideline max. Condition is valid and remains open<br>Seller Comment (2025-03-06): This is only applicable to 5/6 ARM products. 7/6 and 10/6 products are qualified off the note rate. Please clear. | 03/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222895479 | [Redact] | [Redact] |  | 32840832 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Minimum coverage required is [Redact]. |  |  |  | Reviewer Comment (2025-02-13): Included replacement cost with coverage amount. Exception Cleared.<br>Reviewer Comment (2025-02-13): Required revised flood policy with sufficient coverage. Exception Remains.<br>Seller Comment (2025-02-13): Flood Policy - [Redact] replacement cost listed on policy. | 02/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222895479 | [Redact] | [Redact] |  | 32840849 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is insufficient by [Redact]. |  |  |  | Reviewer Comment (2025-02-21): HOI dec page provided verifying guaranteed replacement cost coverage<br>Seller Comment (2025-02-21): HOI Policy. Replacement Cost box is checked for amount of [Redact] dwelling. Please advise<br>Reviewer Comment (2025-02-13): There is no replacement cost mentioned specifically on hazard policy. Exception Remains.<br>Seller Comment (2025-02-13): HOI Policy - [Redact] replacement cost listed on policy. | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222895479 | [Redact] | [Redact] |  | 32843907 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | The subject was listed for sale and was taken off the market on [Redact]. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 42.57 months reserves.<br>LTV 49.7018% | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-02-24): Client elected to waive the condition with the following Comp Factors: LTV 49.7018% and 42.57 months reserves. |  |  | 02/24/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222903628 | [Redact] | [Redact] | [Redact] | 32843699 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222903628 | [Redact] | [Redact] | [Redact] | 33001355 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-03-20): CDA provided. Exception cleared.<br>Seller Comment (2025-03-20): (Rate Lock) Color CDA attached<br>Reviewer Comment (2025-03-17): The CDA provided contains black and white photos. Please provide a CDA with colored photos.<br>Seller Comment (2025-03-13): (Rate Lock) CDA attached - thank you | 03/20/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 222904454 | [Redact] | [Redact] | [Redact] | 32845689 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222904664 | [Redact] | [Redact] |  | 32884820 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The closing statement in file is missing a page. Total fees and payoffs were [Redact]; however there are only [Redact] in fees and payoffs disclosed. |  |  |  | Reviewer Comment (2025-02-20): Complete settlement statement provided<br>Seller Comment (2025-02-19): Revised HUD uploaded | 02/20/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222904684 | [Redact] | [Redact] |  | 32858792 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Need proof of guarantors access to the business funds. Unable to determine ownership interest. |  |  |  | Reviewer Comment (2025-02-19): Asset requirement met. Exception cleared.<br>Seller Comment (2025-02-19): Borrower did a cash out refinance with us, uploaded the funding statement. | 02/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222904685 | [Redact] | [Redact] |  | 32860928 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-02-20): Received RCE. Exception Cleared.<br>Seller Comment (2025-02-20): Replacement Cost Estimator attached which shows that coverage is within the insurance company 80% minimum | 02/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| 222904695 | [Redact] | [Redact] |  | 32896334 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Authorization by the consumer disclosure that contains the acceptable credit information for the 2nd guarantor. File only contained the information for the 1st guarantor. |  |  |  | Reviewer Comment (2025-02-25): Member of the LLC is not a guarantor and credit app not required<br>Seller Comment (2025-02-25): Only guarantor's FICO is used to qualify the loan, for the past trades we have never shared authorization for non guarantors. Not sure why this is being pushed to seller queue<br>Reviewer Comment (2025-02-24): Updated data to identify only one guarantor; however credit report and other docs provided for the member of the LLC, [Redact]. Provide a copy of the Authorization for the other member of the LLC. Condition remains<br>Seller Comment (2025-02-21): [Redact] is the only guarantor, [Redact] is a non guarantor<br>Seller Comment (2025-02-21): [Redact] is the only Guarantor in the file. [Redact] hold 10% of the share and a non guarantor<br>Reviewer Comment (2025-02-19): As per note and credit report 2 guarantor in file. Please provide CAF for 2nd guarantor. Exception Remains.<br>Seller Comment (2025-02-19): [Redact] is the only Guarantor in the file - CAF is already provided for this Guarantor, please clear. | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222904695 | [Redact] | [Redact] |  | 32896337 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The first guarantor is not a US Citizen and the file is missing a copy of the permanent residence card. |  |  |  | Reviewer Comment (2025-02-19): Received PRA Card. Exception Cleared.<br>Seller Comment (2025-02-19): Permanent residednt card uploaded | 02/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222904695 | [Redact] | [Redact] |  | 32920418 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Upon further review, per the Note, "[Redact]" signed on behalf of the borrowing LLC, [Redact]. The file is missing the EIN and corporate docs for [Redact] to verify the ownership members and percentages to confirm the signature requirements were met. |  |  |  | Reviewer Comment (2025-02-25): LLC documentation for the business guarantor provided<br>Seller Comment (2025-02-25): Member entity documents uploaded | 02/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222905502 | [Redact] | [Redact] | [Redact] | 32851482 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222905502 | [Redact] | [Redact] | [Redact] | 32987545 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The HOI and HOA verification missing in the file. |  |  |  | Reviewer Comment (2025-03-10): Received PITIA verification. Exception Cleared.<br>Seller Comment (2025-03-10): RED DOCS [Redact] | 03/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222905502 | [Redact] | [Redact] | [Redact] | 32987599 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-06): Sufficient Cure Provided At Closing |  | 03/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222906465 | [Redact] | [Redact] | [Redact] | 32855266 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-10): (Rate Lock) [Redact] | 03/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222907503 | [Redact] | [Redact] | [Redact] | 32856268 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-10): (Rate Lock) collateral track # [Redact] | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222907503 | [Redact] | [Redact] | [Redact] | 32971000 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-03-13): CDA provided<br>Seller Comment (2025-03-13): (Rate Lock) cda | 03/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222907503 | [Redact] | [Redact] | [Redact] | 32971016 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222907566 | [Redact] | [Redact] | [Redact] | 32856368 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-19): [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 222916237 | [Redact] | [Redact] | [Redact] | 32873240 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-05): [Redact] | 03/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 222916237 | [Redact] | [Redact] | [Redact] | 32963459 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact]. |  |  |  | Reviewer Comment (2025-03-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 222916958 | [Redact] | [Redact] |  | 32873873 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material due to buyer request. |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 222916958 | [Redact] | [Redact] |  | 32873876 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] Late Charge Percent Testing | [Redact] Late Charge: Note late charge percent of [Redact] exceeds the state maximum of 5%. |  |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material. |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 222916969 | [Redact] | [Redact] |  | 32873932 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC for the borrower's entity: [Redact] not in file. |  |  |  | Reviewer Comment (2025-02-12): OFAC for entity provided.<br>Buyer Comment (2025-02-11): OFAC | 02/12/2025 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222917065 | [Redact] | [Redact] | [Redact] | 32874174 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-24): [Redact] | 04/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222917065 | [Redact] | [Redact] | [Redact] | 33152554 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide documentation to verify the PITIA for the REO |  |  |  | Reviewer Comment (2025-04-03): CD provided verifying the PITIA<br>Seller Comment (2025-04-03): Closing Disclosure | 04/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222917065 | [Redact] | [Redact] | [Redact] | 33152562 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation ([Redact]) to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 04/01/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222917228 | [Redact] | [Redact] | [Redact] | 32874746 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222917228 | [Redact] | [Redact] | [Redact] | 33002647 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the hazard insurance policy |  |  |  | Reviewer Comment (2025-03-14): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-03-13): attached<br>Seller Comment (2025-03-13): Insurance policy attached | 03/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222917228 | [Redact] | [Redact] | [Redact] | 33002655 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | CDA dated [Redact] shows a value of [Redact]. |  |  |  | Reviewer Comment (2025-03-10): Client elected to waive the condition |  |  | 03/10/2025 | 2 A B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222917228 | [Redact] | [Redact] | [Redact] | 33002674 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/10/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222917228 | [Redact] | [Redact] | [Redact] | 33002675 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-10): Sufficient Cure Provided At Closing |  | 03/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222922330 | [Redact] | [Redact] |  | 32900053 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae Points and Fees exceed allowable threshold by [Redact] or [Redact] |  |  |  | Buyer Comment (2025-02-24): Initial and Final Grade B, accepted |  |  | 02/24/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222922330 | [Redact] | [Redact] |  | 32900080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by [Redact] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact] 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 (2025-02-24): [Redact] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-02-21): Refund Package |  | 02/24/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222922331 | [Redact] | [Redact] |  | 32901584 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The file is missing a post-disaster inspection, dated after [Redact], the declaration end date. |  |  |  | Reviewer Comment (2025-02-25): Post-disaster inspection provided<br>Seller Comment (2025-02-24): DIR | 02/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 222922582 | [Redact] | [Redact] | [Redact] | 32896463 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian | 03/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| 222922582 | [Redact] | [Redact] | [Redact] | 33088539 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | 03/20/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 222924293 | [Redact] | [Redact] | [Redact] | 32898361 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-02): Waived on Rate Lock: Collateral cleared by Custodian | 04/02/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 222924293 | [Redact] | [Redact] | [Redact] | 33140904 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing a copy of Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-04-03): Received W-2 Transcript. Exception Cleared.<br>Seller Comment (2025-04-03): Tax transcripts for B2 attached.<br>Reviewer Comment (2025-03-31): Required copy of Transcript (1040) or W-2 Transcript for co-borrower. Exception Remains.<br>Seller Comment (2025-03-31): see attached | 04/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 222924293 | [Redact] | [Redact] | [Redact] | 33141378 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification of Secondary appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 222924293 | [Redact] | [Redact] | [Redact] | 33141469 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-04-03): Received RCE. Exception Cleared.<br>Seller Comment (2025-04-03): Replacement cost estimate attached<br>Reviewer Comment (2025-04-02): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as [Redact] and 80% of this value is identified as insured value. Coverage of at least [Redact] is required. The insurance is insufficient by [Redact]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-04-02): Please provide your detailed calculation for HOI policy coverage. Per our underwriter current policy | 04/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 222924293 | [Redact] | [Redact] | [Redact] | 33143930 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The co-borrower indicated that they do intend to occupy the property as their primary residence on the initial 1003. |  |  |  |  |  |  | 03/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 222927018 | [Redact] | [Redact] | [Redact] | 32902746 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222928305 | [Redact] | [Redact] | [Redact] | 32903921 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian | 03/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222928305 | [Redact] | [Redact] | [Redact] | 33002597 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/10/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222928305 | [Redact] | [Redact] | [Redact] | 33002598 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/10/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222928305 | [Redact] | [Redact] | [Redact] | 33003486 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | The appraisal with the effective date of [Redact] and the report date of [Redact] did not contain color photos. |  |  |  | Reviewer Comment (2025-03-13): Received updated Appraisal with colors photos. Exception Cleared.<br>Seller Comment (2025-03-12): Appraisal [Redact] | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222928483 | [Redact] | [Redact] |  | 32904661 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-02-04): Appraisal delivery evidence received Exception Cleared<br>Buyer Comment (2025-02-03): Please see signed ROV disclosure - Paragraph 1 acknowledges receipt of report | 02/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 222929608 | [Redact] | [Redact] | [Redact] | 32905909 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| 222929608 | [Redact] | [Redact] | [Redact] | 33096122 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/21/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| 222931864 | [Redact] | [Redact] | [Redact] | 32911693 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-06): tracking #[Redact] | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222933431 | [Redact] | [Redact] | [Redact] | 32913365 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222933431 | [Redact] | [Redact] | [Redact] | 33093535 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | Fannie Mae Points and Fees exceed allowable threshold by [Redact] or [Redact] |  |  |  | Reviewer Comment (2025-03-31): Client elected to waive the condition on the Non-QM 1st lien<br>Seller Comment (2025-03-28): There is approval to exceed the 5% threshold on a NonQM file that is a NOO Investment (business purpose loan) property as long as there are not State Fails/Warning on [Redact], as there are not. |  |  | 03/31/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 222934104 | [Redact] | [Redact] |  | 32917596 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in the file. |  |  |  | Reviewer Comment (2025-02-26): Received business entity. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934104 | [Redact] | [Redact] |  | 32922985 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | Originator Pre-Close,[Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934104 | [Redact] | [Redact] |  | 32922997 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-26): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-02-25): Tax Info - Based on Improvements- [Redact] | 02/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934105 | [Redact] | [Redact] |  | 32920797 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-02-25): Received Business Entity. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934105 | [Redact] | [Redact] |  | 32922986 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934105 | [Redact] | [Redact] |  | 32922998 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-25): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-02-25): Tax Info Based on Improvements- [Redact] | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934106 | [Redact] | [Redact] |  | 32919806 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing Certificate of Good Standing |  |  |  | Reviewer Comment (2025-02-25): Received business entity. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934106 | [Redact] | [Redact] |  | 32922989 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934106 | [Redact] | [Redact] |  | 32922999 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-25): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-02-25): Tax Info Based on Improvements- [Redact] | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934107 | [Redact] | [Redact] |  | 32919542 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-02-25): Received business entity listing. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934107 | [Redact] | [Redact] |  | 32922990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934107 | [Redact] | [Redact] |  | 32923000 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-25): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-02-25): Tax Info Based on Improvements- [Redact] | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934108 | [Redact] | [Redact] |  | 32919128 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset Documentation is not provided. |  |  |  | Reviewer Comment (2025-02-27): Assets provided<br>Seller Comment (2025-02-27): assets<br>Seller Comment (2025-02-27): Assets Docs<br>Seller Comment (2025-02-27): Articles of organization are not required. We have the operating agreement with ownership % and corp resolution for signature. | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934108 | [Redact] | [Redact] |  | 32919151 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing was not provided |  |  |  | Reviewer Comment (2025-02-25): Received business entity. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934108 | [Redact] | [Redact] |  | 32919152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-27): Tax cert provided<br>Reviewer Comment (2025-02-25): Required source document for taxes used to qualify [Redact]. Exception Remains.<br>Seller Comment (2025-02-25): Tax Info Based on Improvements- [Redact] | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934108 | [Redact] | [Redact] |  | 32919153 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets documentation is not provided. |  |  |  | Reviewer Comment (2025-02-27): Assets provided<br>Seller Comment (2025-02-27): Asset Docs | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934108 | [Redact] | [Redact] |  | 32923001 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934109 | [Redact] | [Redact] |  | 32917556 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing was not provided in the file. |  |  |  | Reviewer Comment (2025-02-25): Received Business Entity. Exception Cleared.<br>Seller Comment (2025-02-25): Good Standing | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934109 | [Redact] | [Redact] |  | 32923002 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for the Roof coverage converts to ACV if 15yrs or older. Note: a copy of the exception approval was not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] in reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-27): Client elected to waive the condition with the following Comp Factor: [Redact] in reserves<br>Seller Comment (2025-02-27): UW Management LOE |  |  | 02/27/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222934109 | [Redact] | [Redact] |  | 32923003 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a tax cert or other documentation to verify the tax amount used to qualify. |  |  |  | Reviewer Comment (2025-02-25): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-02-25): Tax Info Based on Improvements- [Redact] | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222952979 | [Redact] | [Redact] | [Redact] | 32920745 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-20): Note tracking is [Redact] | 03/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222952979 | [Redact] | [Redact] | [Redact] | 33066199 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file was missing Copy of Tax Certificate document. |  |  |  | Reviewer Comment (2025-03-19): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-03-18): Tax Cert | 03/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 222952979 | [Redact] | [Redact] | [Redact] | 33066220 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided. |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222954467 | [Redact] | [Redact] | [Redact] | 32922253 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-10): Waived on Rate Lock: Collateral cleared by Custodian | 03/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222959643 | [Redact] | [Redact] | [Redact] | 32929431 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-12): Tracking Attached | 03/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222959643 | [Redact] | [Redact] | [Redact] | 32987671 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222959643 | [Redact] | [Redact] | [Redact] | 32987672 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222959643 | [Redact] | [Redact] | [Redact] | 32987673 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-03-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 222959705 | [Redact] | [Redact] | [Redact] | 32929575 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-31): Waived on Rate Lock: Collateral cleared by Custodian | 03/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222959705 | [Redact] | [Redact] | [Redact] | 33136625 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003 |  |  |  |  |  |  | 03/27/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222960090 | [Redact] | [Redact] |  | 32930487 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-02-11): Provided RCE, exception cleared.<br>Buyer Comment (2025-02-06): Uploaded RCE. | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222960090 | [Redact] | [Redact] |  | 32930488 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Loan is a cash out refinance and current vesting on title is, [Redact]., which is not the borrower. There is missing documentation in the file to confirm the borrower owns this entity. |  |  |  | Reviewer Comment (2025-02-11): Evidence of Deeds/Quit-Claim in file, exception cleared.<br>Buyer Comment (2025-02-06): Hello, Where in the file do you see this? Please advise. | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222960092 | [Redact] | [Redact] |  | 32930491 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan file. |  |  |  | Reviewer Comment (2025-02-11): Closing statement provided, exception cleared.<br>Buyer Comment (2025-02-06): Uploaded final HUD. | 02/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222960112 | [Redact] | [Redact] |  | 32930523 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing is missing in file. |  |  |  | Reviewer Comment (2025-02-13): Certificate of Good Standing provided, exception cleared.<br>Buyer Comment (2025-02-13): Please provide status<br>Buyer Comment (2025-02-10): Uploaded Certificate of Fact ([Redact] version of the Cert of Good standing) please clear | 02/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222960124 | [Redact] | [Redact] |  | 32930541 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Effective date of [Redact] of the appraisal is 121 days from the note date |  |  |  | Reviewer Comment (2025-02-24): Form 442 provided<br>Buyer Comment (2025-02-19): I have attached the recert of value. | 02/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222960124 | [Redact] | [Redact] |  | 32930542 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing for the entity. The entity is not listed on the fraud report. |  |  |  | Reviewer Comment (2025-02-14): OFAC is dated post closed ([Redact]) and Note date is [Redact], exception cleared.<br>Reviewer Comment (2025-02-14): The OFAC SDN Report was puled post closing on [Redact], exception remains.<br>Buyer Comment (2025-02-11): please find attached fraud report thanks :) | 02/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 222960974 | [Redact] | [Redact] |  | 32943703 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file was missing a copy of the final title preliminary. |  |  |  | Reviewer Comment (2025-03-05): Received Commitment Title Report. Exception Cleared.<br>Seller Comment (2025-03-04): Title commitment uploaded<br>Reviewer Comment (2025-03-03): The prelim title is required to confirm original vesting and to review prior exceptions identified in schedule B. Condition is valid and remains open<br>Seller Comment (2025-02-28): The final title policy takes precedence over all other title requirements. Kindly clear this exception<br>Reviewer Comment (2025-02-28): Initial comments were incorrect. The file is missing a copy of the preliminary title. The final title was provided in the initial file.<br>Seller Comment (2025-02-28): Pro forma uploaded | 03/05/2025 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32944093 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-03-02): Received appraisal. Exception Cleared.<br>Seller Comment (2025-02-28): CDA for [Redact] uplaoded<br>Seller Comment (2025-02-28): Tax cert for [Redact] uploaded<br>Seller Comment (2025-02-28): Appraisal for [Redact] uploaded<br>Reviewer Comment (2025-02-28): Additional copy of the CDA and appraisal for [Redact] was provided. The file is missing the CDA and appraisal for [Redact]. Condition remains<br>Seller Comment (2025-02-28): Secondary valuvation report uploaded | 03/02/2025 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32944129 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redact] | Copy of Tax Certificate is not available in file. |  |  |  | Reviewer Comment (2025-03-02): Received Tax Certificate. Exception Cleared.<br>Reviewer Comment (2025-02-28): Additional copy of the tax cert for [Redact] was provided. The file is missing the tax cert for [Redact]. Condition remains<br>Seller Comment (2025-02-28): tax cert uplaoded | 03/02/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32944130 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redact] | Copy of Appraisal is not available in file. |  |  |  | Reviewer Comment (2025-03-02): Received appraisal. Exception Cleared.<br>Seller Comment (2025-02-28): Appraisal for [Redact] uploaded<br>Reviewer Comment (2025-02-28): Additional copy of the CDA and appraisal for [Redact] was provided. The file is missing the CDA and appraisal for [Redact]. Condition remains<br>Seller Comment (2025-02-28): Appraisal uploaded | 03/02/2025 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32944138 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date. |  |  |  | Reviewer Comment (2025-03-02): Received appraisal. Exception Cleared.<br>Seller Comment (2025-02-28): The appraisals uploaded have the effective dates in [Redact], which is post the aforementioned disaster, please clear | 03/02/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32944177 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Appraisal is missing for the property #[Redact] hence it is affecting on LTV. |  |  |  | Reviewer Comment (2025-03-02): Received appraisal. Exception Cleared.<br>Seller Comment (2025-02-28): Appraisal uploaded<br>Reviewer Comment (2025-02-28): Additional copy of the CDA and appraisal for [Redact] was provided. The file is missing the CDA and appraisal for [Redact]. Condition remains<br>Seller Comment (2025-02-28): Appraisal uplaoded | 03/02/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222960981 | [Redact] | [Redact] |  | 32956878 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redact] | Lease agreement was missing in file for [Redact]. |  |  |  | Reviewer Comment (2025-03-03): Received Lease Agreement. Exception Cleared.<br>Seller Comment (2025-03-03): Lease for [Redact] has been uploaded | 03/03/2025 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222961002 | [Redact] | [Redact] |  | 32934640 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file is missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-02-28): Received Article of Incorporation. Exception Cleared.<br>Seller Comment (2025-02-27): Entity filing date is within 1 year, COGS not required. Articles of Organization uploaded | 02/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| 222961004 | [Redact] | [Redact] |  | 32939209 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | Title identified the subject as being in a PUD; however the appraisal did not identify the property as a PUD. Provide a revised appraisal identifying the property as a PUD. Note: HOA docs in file verified monthly assessments used to qualify |  |  |  | Reviewer Comment (2025-03-03): Revised appraisal provided<br>Seller Comment (2025-02-28): Page no: 3 of the uplaoded appraisal says this is a PUD, reuploaded the appraisal | 03/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961005 | [Redact] | [Redact] |  | 32947872 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Title Note grace period days less than minimum per state |  |  |  | Reviewer Comment (2025-03-04): Not applicable to transaction. | 03/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222961009 | [Redact] | [Redact] |  | 32944699 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-03): Received RCE. Exception Cleared.<br>Seller Comment (2025-03-03): Be advised that there was an endorsement page which was 133 of the insuring agreement known as "General Change Endorsement" Highlighted the section that states that on [Redact] an endorsement was issued by the insurance company increasing the coverage limit to [Redact] Replacement Cost Settlement which meets the 80% coinsurance clause minimum required by [Redact] | 03/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961009 | [Redact] | [Redact] |  | 32944961 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the operating agreement for [Redact]. |  |  |  | Reviewer Comment (2025-03-05): Operating agreement for the business entity that is a guarantor was provided<br>Seller Comment (2025-03-04): Ooperating agreement for [Redact] uploaded<br>Reviewer Comment (2025-03-03): The OA is required because the LLC is a guarantor and we need to confirm the guarantor's ownership percentage.<br>Seller Comment (2025-03-03): Please explain why is the OA for [Redact] is needed here. | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961010 | [Redact] | [Redact] |  | 32956768 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Upon further review, the file is missing the business verification for [Redact] |  |  |  | Reviewer Comment (2025-03-05): Operating agreement for the business entity that is a guarantor was provided<br>Seller Comment (2025-03-04): OA uploaded<br>Reviewer Comment (2025-03-04): [Redact] is the business guarantor per the Note. The condition is valid and remains open<br>Seller Comment (2025-03-03): [Redact] management is not related to the subject property, please clear | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 222961011 | [Redact] | [Redact] |  | 32948013 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-03): Received endorsement of hazard. Exception Cleared.<br>Seller Comment (2025-03-03): Be advised that there was an endorsement page which can be found in page 133 of the insuring agreement known as "General Change Endorsement" Highlighted the section that states that [Redact] an change was issued modifying the coverage limit from its previous when the policy was issued. Insurance companies will not re-print an entire contract, instead they will issue a document like this showing the total replacement cost as [Redact] which is within 80% of total Replacement cost property value, which meets [Redact] requirement. | 03/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961011 | [Redact] | [Redact] |  | 32951272 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the articles of orginazation for [Redact] |  |  |  | Reviewer Comment (2025-03-04): Articles of Organization for the business entity guarantor was provided<br>Seller Comment (2025-03-03): [Redact] - Articles of organization | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961011 | [Redact] | [Redact] |  | 32951282 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the operating agreement for [Redact]. |  |  |  | Reviewer Comment (2025-03-05): Operating agreement for the business entity that is a guarantor was provided<br>Seller Comment (2025-03-04): operating agreement for [Redact] uploaded<br>Seller Comment (2025-03-04): OA uploaded | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222961013 | [Redact] | [Redact] |  | 32948363 |  | Credit | Missing Document | General | Missing Document | One or more of your documents was not signed and dated by the borrower(s). |  | The file is missing a copy of the Note executed by all guarantors. The copy in file was only executed by the 2nd guarantor. |  |  |  | Reviewer Comment (2025-03-03): Received Note with signed all guarantors. Exception Cleared.<br>Seller Comment (2025-02-28): First guarantor's signed note uplaoded. | 03/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222961013 | [Redact] | [Redact] |  | 32948368 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing a copy of the credit report for the first guarantor. |  |  |  | Reviewer Comment (2025-03-04): Received Credit Report. Exception Cleared.<br>Seller Comment (2025-03-03): Credit report uploaded | 03/04/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222961380 | [Redact] | [Redact] | [Redact] | 32934806 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-17): Tracking Number [Redact] | 03/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222961566 | [Redact] | [Redact] | [Redact] | 32935255 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-14): collateral delivered [Redact] via [Redact] tracking [Redact] | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222969083 | [Redact] | [Redact] |  | 32943630 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redact] Prepayment Penalty: Maximum calculated prepay of [Redact] exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ([Redact]). Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum calculated prepay of [Redact] exceeds the state maximum of 2 months interest calculated on [Redact] of the original balance ([Redact]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Buyer Comment (2025-01-14): Acknowledged non material |  |  | 01/14/2025 | 2 B |  | [Redact] | Investment | Purchase | D B C A |  | N/A | No |
| 222969083 | [Redact] | [Redact] |  | 32943631 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-01-30): Received ARR Document from [Redact] and (as per Online Source [Redact] has acquired [Redact]). as per Guideline ARR also acceptable as Secondary valuation per Guideline. Exception Cleared<br>Buyer Comment (2025-01-29): Appraisal risk review (ARR) from [Redact] per guidelines i acceptable. [Redact] is now [Redact] Intelligence. | 01/30/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B C A |  | N/A | No |
| 222969083 | [Redact] | [Redact] |  | 32943633 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance is missing in HOI policy. |  |  |  | Reviewer Comment (2025-01-30): Received Full HOI Policy on page 12 its mentioned Coverage D - If loss to property Described in Coverage A, Coverage B or Coverage C covered by Section 1 Losses we Cover marks that part of Described location, we cover the Fair rental value of that part of the Described location and payment will not exceed 12 Months.. "Section I" Noted the coverage A and B which confirms Fair rental value cover. Exception Cleared<br>Buyer Comment (2025-01-29): Per Lender: Please see page 12 coverage D | 01/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A |  | N/A | No |
| 222969083 | [Redact] | [Redact] |  | 32943634 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement for [Redact] is missing in file. |  |  |  | Reviewer Comment (2025-02-04): Operating agreement received along with Amendment of Interest redeemed and additional additional Interest to [Redact]. Exception Cleared<br>Buyer Comment (2025-02-02): Per lender : We did. This one was a little unusual. The initial operating agreement for this LLC states that the LLC is managed by Mangers ([Redact]) There were originally four members ([Redact]. In [Redact], [Redact] redeemed their interest in the LLC, disassociating themselves as Members and also resigning as Managers. This left [Redact] as the sole remaining Member and Manger. Assignment dated the same day shows that [Redact] assigned 50% of that Membership interest to [Redact], making them 50/50 Members. They amended the Operating Agreement that day as well to clarify the 50/50 Membership and states that [Redact] is the Manger.<br>Buyer Comment (2025-02-02): Partial assignment<br>Buyer Comment (2025-02-02): Operation agreement<br>Buyer Comment (2025-02-02): First amendment<br>Buyer Comment (2025-02-02): Redemption and assignment<br>Reviewer Comment (2025-01-30): Received Articles of Organization whereas Exception missing for Operating agreement. Exception Remains<br>Buyer Comment (2025-01-29): articles of organization | 02/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A |  | N/A | No |
| 222969088 | [Redact] | [Redact] |  | 32943658 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing protection letter missing |  |  |  | Reviewer Comment (2025-02-03): Received Closing Protection letter. Exception cleared<br>Buyer Comment (2025-02-03): CPL | 02/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222969088 | [Redact] | [Redact] |  | 32943659 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require tax information calculation sheet as per lender considered annual tax amount of [Redact] per application. |  |  |  | Reviewer Comment (2025-02-03): Received Tax cert shows address [Redact] which is AKA address of subject property as per Address certification. Additionally CPL letter also confirms the same and Parcel number also matched. Exception Cleared<br>Buyer Comment (2025-02-03): Tax | 02/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222969088 | [Redact] | [Redact] |  | 32943660 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing letter from the accountant of the business or an underwriter cash flow analysis and the business balance sheet to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-02-10): Received updated 1003/1008 without business funds used for qualification. Exception cleared<br>Buyer Comment (2025-02-07): Lox<br>Buyer Comment (2025-02-07): 1003<br>Buyer Comment (2025-02-07): 1008<br>Reviewer Comment (2025-02-06): Provide updated 1003 without Checking A/c # [Redact] as per 1003 Lender used for qualification. Exception Remains<br>Buyer Comment (2025-02-05): comment from lender: This was a cash out refinance no use of business funds were used for our transaction the business account which is what our loan closed under is the LLC account that has the documented rental income payments received and deposited into that account it's the [Redact] for our property. | 02/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222969090 | [Redact] | [Redact] |  | 32943665 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report date is [Redact] which is within 3 day of the note date [Redact]. |  |  |  | Buyer Comment (2025-02-11): Acknowledged non material<br>Reviewer Comment (2025-02-11): We have proof of receipt of the original appraisal dated [Redact]. The updated appraisal dated [Redact] was not provided within 3 business days of consummation. Exception stands. EV2 can be waived.<br>Buyer Comment (2025-02-11): docs<br>Buyer Comment (2025-02-11): appraisal notices<br>Buyer Comment (2025-02-11): appraisal waiver and delivery notices |  |  | 02/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222969090 | [Redact] | [Redact] |  | 32943666 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-02-11): Acknowledgement provided.<br>Buyer Comment (2025-02-11): uploaded appraisal notice receipts , and appraisal waiver | 02/11/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222971372 | [Redact] | [Redact] | [Redact] | 32947041 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 222971372 | [Redact] | [Redact] | [Redact] | 33095182 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/21/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 222972155 | [Redact] | [Redact] | [Redact] | 32948102 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-28): Note shipped [Redact] [Redact] Delivered [Redact]<br>[Redact], 9:13 A.M. | 03/28/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222972155 | [Redact] | [Redact] | [Redact] | 33125391 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines 6 months bank statements is required for Asset depletion, an additional bank statement is required for the [Redact] acct ending in #[Redact] there was only 5 months provided. ([Redact] to [Redact]) |  |  |  | Reviewer Comment (2025-03-28): Additional months' statement provided<br>Seller Comment (2025-03-28): Statement for [Redact] #[Redact] | 03/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222972155 | [Redact] | [Redact] | [Redact] | 33126195 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 222973544 | [Redact] | [Redact] |  | 32957422 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document [Redact] housing payments from credit report and no verification of rent in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 84.03 months reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-04): Client elected to waive the condition with the following compensating factor: 84.03 months reserves<br>Seller Comment (2025-03-04): Exception from file |  |  | 03/04/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222973544 | [Redact] | [Redact] |  | 32960108 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Acknowledged - Dry state - Effective date on or before disbursement date. |  |  |  | Reviewer Comment (2025-03-10): PCCD and settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-03-10): Final Settlement Stmt and PC CD | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952027 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization is missing. |  |  |  | Reviewer Comment (2025-02-05): Received Articles of Organization/Formation. Exception cleared.<br>Buyer Comment (2025-02-04): AO | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952028 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certification of good standing is missing. |  |  |  | Reviewer Comment (2025-02-05): Received Certification of good standing. Exception cleared<br>Buyer Comment (2025-02-04): COGS | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952029 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution is missing. |  |  |  | Reviewer Comment (2025-02-07): Provided Operating agreement for corporate resolution as borrower has 100% ownership in borrowing business entity. Exception cleared.<br>Buyer Comment (2025-02-06): Operating agreement | 02/07/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952030 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing. |  |  |  | Reviewer Comment (2025-02-05): Received operating agreement. Exception cleared.<br>Buyer Comment (2025-02-04): OA | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952031 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [Redact] | Hazard insurance policy for [Redact] is missing. |  |  |  | Reviewer Comment (2025-02-05): Received hazard insurance policy for property [Redact]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-02-04): HOI | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952032 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [Redact] | hazard Insurance policy for [Redact] is missing |  |  |  | Reviewer Comment (2025-02-05): Received hazard insurance policy for property [Redact]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-02-04): HOI | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952033 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [Redact] | Hazard Insurance policy for [Redact] is missing. |  |  |  | Reviewer Comment (2025-02-05): Received hazard insurance policy for property [Redact]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-02-04): HOI | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952034 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [Redact] | Hazard Insurance policy for [Redact] is missing |  |  |  | Reviewer Comment (2025-02-05): Received hazard insurance policy for property [Redact]. Details verified and updated. Exception cleared.<br>Buyer Comment (2025-02-04): HOI | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952035 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | - Most Recent Valuation Inspection Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___<br> Most Recent Valuation Inspection Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___<br> Most Recent Valuation Inspection Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ |  |  |  |  | Reviewer Comment (2025-02-12): PDI provided. PDI is dated [Redact] which is after the disaster end date of [Redact].<br>Buyer Comment (2025-02-11): PDI's | 02/12/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952036 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-02-12): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-02-11): Operating Agreement<br>Reviewer Comment (2025-02-10): Provided [Redact] bank statement of [Redact]. Provide operating agreement of [Redact] to verify ownership percentage of guarantor. Exception remains.<br>Buyer Comment (2025-02-07): Bank statement uploaded , Per Lender [Redact] Bank Statement x[Redact] for [Redact] attached showing [Redact] liquidity pre-close. See also: Attached entity docs for [Redact] and [Redact] to tie the guarantor's name across all docs bank statement(s). [Redact] is the sole member-owner of [Redact] and the sole Managing Member (100%) of [Redact]. Let us know if you need anything further. Thanks | 02/12/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952039 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-12): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-02-11): Operating Agreement<br>Reviewer Comment (2025-02-10): Provided [Redact] bank statement of [Redact]. Provide operating agreement of [Redact] to verify ownership percentage of guarantor. Exception remains.<br>Buyer Comment (2025-02-07): Per lender : [Redact] Bank Statement x[Redact] for [Redact] attached showing [Redact] liquidity pre-close. See also: Attached entity docs for [Redact] and [Redact] to tie the guarantor's name across all docs bank statement(s). [Redact] is the sole member-owner of [Redact] and the sole Managing Member (100%) of [Redact]. Let us know if you need anything further. Thanks | 02/12/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952040 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC was not provided for the borrowing entity. |  |  |  | Reviewer Comment (2025-02-05): Received OFAC for borrowing entity. Exception cleared.<br>Buyer Comment (2025-02-04): OFAC | 02/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974143 | [Redact] | [Redact] |  | 32952041 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The property tax is [Redact] per month ([Redact] annually) per the tax certificates provided for each property however the HUD-1 reflects [Redact] per month for escrow for each property. Please provide corrected HUD or updated tax certificates if applicable. |  |  |  | Reviewer Comment (2025-02-19): Cleared. Received updated tax calculations per title co.<br>Buyer Comment (2025-02-15): Per Lender: See attached correspondence between [Redact] processor and title company. Re: [Redact]. "Assessed value = [Redact]. Divided by 100 ([Redact]), then multiply by [Redact] (mill rate). This would be [Redact] if the 2024 mill rates are used." So, the [Redact]/mo taxes for each underlying property appears correct. A revised HUD-1 is not required. Thanks.<br>Buyer Comment (2025-02-15): LOE | 02/19/2025 |  |  | 1 A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952066 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | Lease agreement is not provided in the file. |  |  |  | Reviewer Comment (2025-02-21): Received Lease agreement in the file. Exception Cleared.<br>Buyer Comment (2025-02-20): docs 188 [Redact] | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952068 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file is missing all asset documents to verify the required funds to close and reserves. |  |  |  | Reviewer Comment (2025-02-21): Received bank statement in the file. Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-02-20): assets | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952069 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2025-02-20): AO | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952070 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-02-20): cogs | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952072 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received Operating Agreement in the file. Exception Cleared.<br>Buyer Comment (2025-02-20): OA | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Tax Certificate received in the file. Exception cleared.<br>Buyer Comment (2025-02-20): tax | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material due to buyer request. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952075 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Cerificate indicates the borrower intends to occupy the subject property. | Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. |  |  |  | Reviewer Comment (2025-02-12): As per provided property management questionnaire, the subject property is tenant occupied. Exception Cleared.<br>Buyer Comment (2025-02-10): D0118, D0117 - Property Management Questionnaire in file. | 02/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952076 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file is missing all asset documents to verify the required funds to close and reserves. |  |  |  | Reviewer Comment (2025-02-21): Received bank statement in the file. Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-02-20): assets | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974146 | [Redact] | [Redact] |  | 32952077 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Cerificate indicates the borrower intends to occupy the subject property. |  |  |  |  | Reviewer Comment (2025-02-21): As per provided property management questionnaire, the subject property is tenant occupied. Exception Cleared. | 02/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952078 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material due to buyer request. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952079 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material due to buyer request. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952080 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redact] Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952082 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing |  |  |  | Reviewer Comment (2025-02-13): Driver License available in the file. Exception Cleared.<br>Buyer Comment (2025-02-12): D0084 Driver license in file. please clear. | 02/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952083 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The Right to Receive a Copy appraisal disclosure is not located in the file. |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material due to buyer request. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974147 | [Redact] | [Redact] |  | 32952084 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | OFAC was not provided for the Borrowing Entity. |  |  |  | Reviewer Comment (2025-02-14): OFAC for the Borrowing Entity received. Exception Cleared.<br>Buyer Comment (2025-02-12): Ofac report | 02/14/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 222974154 | [Redact] | [Redact] |  | 32952120 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | [Redact] |  |  |  |  | Reviewer Comment (2025-02-10): Provided flood insurance policy. Updated insurance screen. Exception cleared.<br>Buyer Comment (2025-02-07): LOX<br>Buyer Comment (2025-02-07): Flood Insurance | 02/10/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974154 | [Redact] | [Redact] |  | 32952121 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC for the borrowing entity is not located in the file. |  |  |  | Reviewer Comment (2025-02-10): Provided OFAC search result for borrowing business entity. Exception cleared.<br>Buyer Comment (2025-02-07): OFAC search run on [Redact] for [Redact]<br>Reviewer Comment (2025-02-06): Unable to clear. Received the OFAC however it does not contain a date to determine when the status was verified.<br>Buyer Comment (2025-02-05): OFAC | 02/10/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974154 | [Redact] | [Redact] |  | 32952122 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date is incomplete, estimated consummation date used for testing purposes. |  |  |  | Reviewer Comment (2025-02-17): Cleared. Received Scrivener's Affidavit.<br>Buyer Comment (2025-02-12): Scrivener's Affidavit<br>Reviewer Comment (2025-02-06): Received recorded security instrument. Please provide a scrivener's affidavit clarifying the date of notary.<br>Buyer Comment (2025-02-04): Recorded security agreement - Mortgage was recorded without issue so the security instrument is in first-lien position and is acknowledged in the eyes of the county. Please advise if a new notary stamp is required, or, if a scrivener's affidavit clarifying the date of notary would suffice. | 02/17/2025 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974156 | [Redact] | [Redact] |  | 32952126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Verification of earlier borrower receipt of the appraisal is missing from the file. |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material due to buyer request. |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974156 | [Redact] | [Redact] |  | 32952127 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank statement is missing in file to verify the asset required for reserves. |  |  |  | Reviewer Comment (2025-02-10): Received bank statement for [Redact]. Verified and updated. Exception cleared<br>Buyer Comment (2025-02-07): Bank Statements | 02/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974156 | [Redact] | [Redact] |  | 32952128 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Bank statement is missing in file to verify the asset required to close. |  |  |  | Reviewer Comment (2025-02-10): Received bank statement for [Redact]. Verified and updated. Exception cleared<br>Buyer Comment (2025-02-07): bank statements<br>Buyer Comment (2025-02-07): LOX | 02/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952141 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 application form is missing in file. |  |  |  | Reviewer Comment (2025-02-06): Received property management questionnaire confirming property is tenant occupied. Exception cleared.<br>Buyer Comment (2025-02-05): Guidelines only reflect application, doesn't state a final is require | 02/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952143 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material due to buyer request. |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952144 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Cerificate indicates the borrower intends to occupy the subject property. | Final 1003 application form is missing in file. |  |  |  | Reviewer Comment (2025-02-06): Received property management questionnaire confirming property is tenant occupied. Exception cleared.<br>Buyer Comment (2025-02-05): Guidelines only reflect application, doesn't state a final is require | 02/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952145 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redact] Prepayment Penalty: Maximum calculated prepay of [Redact] exceeds the state maximum of 1% of the original balance ([Redact]). Prepay language states prepay will not exceed maximum permitted by applicable law. | prepayment penalty exceeds |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material due to buyer request. |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952146 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for borrowing entity. |  |  |  | Reviewer Comment (2025-02-18): Received clear OFAC search report for borrowing business entity. Exception cleared<br>Buyer Comment (2025-02-15): OFAC<br>Reviewer Comment (2025-02-06): Provided OFAC is incomplete and is missing date and time information. Exception remains.<br>Buyer Comment (2025-02-05): Ofac | 02/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974159 | [Redact] | [Redact] |  | 32952147 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Maximum LTV for cash out is 75%. |  |  |  | Reviewer Comment (2025-02-07): Documentation in file reflects transaction is a delayed purchase.<br>Buyer Comment (2025-02-05): Per lender : these are underwritten to [Redact] guidelines and due to being a delayed purchase LTV is up to 80%, please clear condition | 02/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974160 | [Redact] | [Redact] |  | 32952149 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-02-10): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2025-02-07): COGS | 02/10/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974160 | [Redact] | [Redact] |  | 32952150 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing in file. |  |  |  | Reviewer Comment (2025-02-10): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2025-02-07): CPL | 02/10/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974160 | [Redact] | [Redact] |  | 32952151 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided |  | Missing credit application/Property Management Questionnaire for borrower [Redact] |  |  |  | Reviewer Comment (2025-02-10): Received Property Management Questionnaire. Exception Cleared.<br>Buyer Comment (2025-02-07): Credit Application | 02/10/2025 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952153 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-02-21): Certificate of Good Standing not required. Entity formed on [Redact] which is within 12 months after the formation date. Exception cleared.<br>Buyer Comment (2025-02-20): comment from lender: Entity formed [Redact]. Loan closed [Redact]. COGS not required for borrowing entities formed within L12mo per [Redact] UW GLs.; OA dated [Redact] and amendment of ownership interests from [Redact]. | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952155 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-02-21): Received Employer Identification Number. Exception cleared.<br>Buyer Comment (2025-02-20): EIN | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952156 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-02-21): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-02-20): OA and amendement<br>Buyer Comment (2025-02-20): OA and amendment<br>Reviewer Comment (2025-02-13): Provided amended certification of member which does not confirm the business entity name. Provide complete operating agreement. Exception remains<br>Buyer Comment (2025-02-12): OA | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952157 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-02-21): Received Articles of organization. Exception cleared.<br>Buyer Comment (2025-02-20): AO | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952158 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. |  |  |  |  | Reviewer Comment (2025-02-13): Provided Final Closing statement. Exception cleared<br>Buyer Comment (2025-02-11): HUD | 02/13/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952159 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment Test | [Redact] SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2025-01-31): Acknowledged as non-material. |  |  | 01/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974161 | [Redact] | [Redact] |  | 32952160 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-01-31): Acknowledged as non-material due to buyer request. |  |  | 01/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974162 | [Redact] | [Redact] |  | 32952161 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received operating agreement for [Redact]. Exception cleared<br>Buyer Comment (2025-02-20): OA<br>Reviewer Comment (2025-02-14): [Redact] is 100% owned by [Redact]. Please provide operating agreement for [Redact] to verify ownership % of guarantor. Exception remains.<br>Buyer Comment (2025-02-12): operating agreement<br>Buyer Comment (2025-02-12): OA for [Redact]<br>Reviewer Comment (2025-02-10): Received Operating Agreement for [Redact]. Require Operating agreement for [Redact]. Exception Remains.<br>Buyer Comment (2025-02-07): OA | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974162 | [Redact] | [Redact] |  | 32952162 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received EIN for [Redact]. Also received certificate of name change from [Redact] to [Redact]. Exception cleared.<br>Buyer Comment (2025-02-20): EIN<br>Reviewer Comment (2025-02-10): Received EIN for [Redact]. Require EIN for [Redact]. Exception Remains.<br>Buyer Comment (2025-02-07): EIN | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974162 | [Redact] | [Redact] |  | 32952164 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in the file. |  |  |  | Reviewer Comment (2025-02-14): Certificate of Good Standing for both the business entities received. Exception Cleared.<br>Buyer Comment (2025-02-12): COGS<br>Reviewer Comment (2025-02-10): Received Certificate of Good Standing for [Redact]. Require Certificate of Good Standing for [Redact]. Exception Remains.<br>Buyer Comment (2025-02-07): COGS<br>Buyer Comment (2025-02-07): Certificate of Good Standing | 02/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974162 | [Redact] | [Redact] |  | 32952165 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Received amended articles of organization for [Redact]. Exception cleared.<br>Buyer Comment (2025-02-20): AOO<br>Reviewer Comment (2025-02-14): Received Certificate of Good Standing for [Redact]. Articles of Organization for [Redact] is still missing on file. Exception Remains.<br>Buyer Comment (2025-02-12): articles of formation<br>Reviewer Comment (2025-02-10): Received Articles of Organization for [Redact]. Require Articles of Organization for [Redact]. Exception Remains.<br>Buyer Comment (2025-02-07): Articles | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974162 | [Redact] | [Redact] |  | 32952166 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-01-31): Acknowledged as non-material due to buyer request. |  |  | 01/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974168 | [Redact] | [Redact] |  | 32952191 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | PDI provided is dated [Redact] and the Disaster End Date is [Redact]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redact] | [Redact] | Reviewer Comment (2025-02-14): Client elects to waive with inspection prior to end date.<br>Buyer Comment (2025-02-13): PDI |  |  | 02/14/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974168 | [Redact] | [Redact] |  | 32952193 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-01-31): Acknowledged as non-material due to buyer request. |  |  | 01/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974168 | [Redact] | [Redact] |  | 32952194 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Cerificate indicates the borrower intends to occupy the subject property. |  |  |  |  | Reviewer Comment (2025-02-07): Credit application located in file<br>Buyer Comment (2025-02-06): DSCR initial application package including tenant affidavit | 02/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974168 | [Redact] | [Redact] |  | 32952195 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tax Cert provided reflects [Redact] which is [Redact] / month but the Final HUD reflects taxes are [Redact] / month. |  |  |  | Reviewer Comment (2025-02-12): Cleared. Received tax cert. Corrected amount.<br>Buyer Comment (2025-02-09): Per lender : document uploaded, referenced HUD was only 3 months calculation | 02/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974168 | [Redact] | [Redact] |  | 32952198 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tax bill reflets [Redact] annually/ [Redact] mo, Hud reflects [Redact]/mo. We need updated HUD or documentation of the additional taxes noted on the HUD. |  |  |  | Reviewer Comment (2025-02-21): Property is new construction. Tax amount ([Redact] per year) is consider as per appraisal. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-02-20): comment from lender: Since this property was recent new construction, the tax amount on the cert is based on a land-only assessed value which was very low ([Redact]/yr.). As a precaution we use an estimate of the fully assessed value (land and improvements). In this case, we used an estimated tax amount provided on the appraisal (attached) for [Redact]/yr., or [Redact]/mo. which historically has always been acceptable to our initial target note buyer. | 02/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974169 | [Redact] | [Redact] |  | 32952200 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-02-17): Property inspection provided.<br>Buyer Comment (2025-02-13): PDI | 02/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974169 | [Redact] | [Redact] |  | 32952201 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right to Receive Copy of appraisal disclosure was provided at closing and is not within 3 days of application. |  |  |  | Buyer Comment (2025-01-31): Acknowledged as non-material due to buyer request. |  |  | 01/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222974175 | [Redact] | [Redact] |  | 32952237 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-02-21): Certificate of Good Standing is not required as entity is formed within 12 months of Note date. Exception Cleared.<br>Buyer Comment (2025-02-20): comment from lender: Hi, From [Redact] underwriting team, the Entity was formed within the last 12 months so no COGS is required. Can we please clear this condition. | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974175 | [Redact] | [Redact] |  | 32952238 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard policy in file however no amount provided of [Redact]=[Redact] per month per Lender |  |  |  | Reviewer Comment (2025-02-21): Received email correspondence confirming the HOI premium amount. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-02-20): email from insurer confirming annual premium | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222974175 | [Redact] | [Redact] |  | 32952239 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-02-10): Acknowledged as non-material due to buyer request. |  |  | 02/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222976794 | [Redact] | [Redact] | [Redact] | 32955465 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-24): (Rate Lock) 2nd part of asset documentation | 03/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222976794 | [Redact] | [Redact] | [Redact] | 33111082 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/25/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222976794 | [Redact] | [Redact] | [Redact] | 33117032 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The fie is missing the Master Condo project insurance policy. Dec page in file does not verify dwelling coverage only verifies coverage for Additions/Alterations/Personal Property. |  |  |  | Reviewer Comment (2025-03-27): Master Condo Policy effective at closing was provided<br>Seller Comment (2025-03-27): Renewed Policy<br>Reviewer Comment (2025-03-27): Received HOI for period [Redact] to [Redact] which expired before closing. Exception Remains.<br>Seller Comment (2025-03-26): HOA Policy | 03/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222977230 | [Redact] | [Redact] | [Redact] | 32956651 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-21): (Rate Lock) [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 222977504 | [Redact] | [Redact] | [Redact] | 32956735 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-09): (Rate Lock) [Redact] | 04/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222977504 | [Redact] | [Redact] | [Redact] | 33206938 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222977504 | [Redact] | [Redact] | [Redact] | 33206962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was last disclosed as [Redact] on LE, then disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-24): [Redact] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2025-04-22): [Redact] - Entered comments in DD Portal & Clarity. Uploaded LOX, PCCD, Copy of Refund Check in the amount of [Redact] ([Redact] for Appraisal Fee & [Redact] for Second Appraisal) & [Redact] Tracking label to Clarity. Zero Percent (0%) Tolerance cure issued to borrower in the amount of [Redact] due to no COC or valid reason for fee increase. Proof of Delivery will be provided once delivered to borrower. |  | 04/24/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222977504 | [Redact] | [Redact] | [Redact] | 33206963 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | The Second Appraisal Fee was last disclosed as [Redact] on LE, then disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-24): [Redact] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2025-04-22): [Redact] - Entered comments in DD Portal & Clarity. Uploaded LOX, PCCD, Copy of Refund Check in the amount of [Redact] ([Redact] for Appraisal Fee & [Redact] for Second Appraisal) & [Redact] Tracking label to Clarity. Zero Percent (0%) Tolerance cure issued to borrower in the amount of [Redact] due to no COC or valid reason for fee increase. Proof of Delivery will be provided once delivered to borrower. |  | 04/24/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222982562 | [Redact] | [Redact] | [Redact] | 32971086 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-20): (Rate Lock) collateral track # [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| 222982562 | [Redact] | [Redact] | [Redact] | 33084484 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | 03/19/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222983918 | [Redact] | [Redact] | [Redact] | 32975496 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-21): tracking # [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222983918 | [Redact] | [Redact] | [Redact] | 33079832 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | Policy number is missing on Hazard Insurance |  |  |  | Reviewer Comment (2025-03-25): Received Lender Correspondence. Exception Cleared.<br>Seller Comment (2025-03-24): see hoi explanation in email uploaded | 03/25/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 222986494 | [Redact] | [Redact] | [Redact] | 32981034 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-16): (Rate Lock) [Redact] | 04/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 223002733 | [Redact] | [Redact] | [Redact] | 32988448 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-03-21): (Rate Lock) [Redact] | 03/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 223005499 | [Redact] | [Redact] | [Redact] | 32997590 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-23): (Rate Lock) [Redact] | 04/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 223005499 | [Redact] | [Redact] | [Redact] | 33316837 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 04/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 223005499 | [Redact] | [Redact] | [Redact] | 33316838 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-04-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 223005511 | [Redact] | [Redact] | [Redact] | 32997780 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-29): (Rate Lock) [Redact] | 04/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223005511 | [Redact] | [Redact] | [Redact] | 33360180 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  |  | 04/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223005807 | [Redact] | [Redact] | [Redact] | 32998008 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-18): (Rate Lock) [Redact] | 04/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 223006408 | [Redact] | [Redact] | [Redact] | 33000040 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223006408 | [Redact] | [Redact] | [Redact] | 33150333 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-31): Sufficient Cure Provided At Closing |  | 03/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223006408 | [Redact] | [Redact] | [Redact] | 33152828 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an approved lender Exception in file for the borrower being short 1 required tradeline. Borrower has 2 tradelines with 12 months and 1 with 5 months. | Borrower has verified disposable income of at least [Redact].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | [Redact] post-close reserves (14 months; or 4x).<br>50 LTV is 30 below max (80). | [Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-04-01): Client elected to waive the condition with the following Compensating Factors:<br> 11-year trade history paid as agreed<br> 50 LTV is 30 below max (80). <br> [Redact] post-close reserves (14 months; or 4x). |  |  | 04/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223008422 | [Redact] | [Redact] |  | 33019346 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-03-12): Documentation from the lender provided project was warrantable<br>Seller Comment (2025-03-12): This document is available in our initial upload, reuploading here. | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223008427 | [Redact] | [Redact] |  | 33031924 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file is missing documentation for the entity who is the owner of the business bank account (xx[Redact]) for the assets used to qualify, to confirm the guarantor(s) are owners of the LLC and have access to the funds. |  |  |  | Reviewer Comment (2025-03-14): Sufficient assets available in file. Additional assets not required. Exception Cleared.<br>Seller Comment (2025-03-13): Uploaded bank statements which cover sufficient liquidity coverage. This is nin guarantor's name. | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008429 | [Redact] | [Redact] |  | 33065950 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 2.29 is less than Guideline PITIA months reserves of 6.00 |  |  |  | Reviewer Comment (2025-03-26): Additional asset documentation provided and there are sufficient reserves verified.<br>Reviewer Comment (2025-03-26): EXCEPTION HISTORY - Exception Explanation was updated on [Redact] PRIOR Exception Explanation: Calculated PITIA months reserves of 3.95 is less than Guideline PITIA months reserves of 6.00.<br>Seller Comment (2025-03-26): [Redact] owns 19% of the ownership of the entiy ([Redact]), OA for the same is already uploaded, re uploading here<br>Reviewer Comment (2025-03-26): As per operating agreement Account #[Redact] own by non-borrower hence required Evidence of Access to Funds borrower have to account #[Redact]. Exception Remains.<br>Buyer Comment (2025-03-25): [Redact], please review the uploaded docs from seller and update on exception.<br>Seller Comment (2025-03-25): Can this be waived off with the compensating factors of high DSCR and lower LTV at 70<br>Seller Comment (2025-03-25): Uploaded bank statements for the below amount - Total: [Redact]<br>x[Redact] = [Redact]<br> x[Redact]= [Redact]<br> x[Redact] = [Redact]<br>Seller Comment (2025-03-25): Uploaded bank statements | 03/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223008429 | [Redact] | [Redact] |  | 33118588 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file was missing a copy of the Evidence of access to fund. |  |  |  | Reviewer Comment (2025-03-26): Additional asset documentation provided and there are sufficient reserves verified.<br>Seller Comment (2025-03-26): [Redact] owns 19% of the ownership of the entiy ([Redact]), OA for the same is already uploaded, re uploading here | 03/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223008429 | [Redact] | [Redact] |  | 33124708 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Upon further review, the additional assets provided to clear the reserve requirement condition only verified 1 months' statement and the guidelines required 2 months. Provide an additional months' statement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | FICO: 756<br>The DSCR of 1.36 is greater than the minimum required DSCR of 1.00. | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact],Aggregator | Reviewer Comment (2025-03-26): Client elected to waive the condition with the following compensating factors: <br> FICO: 756<br> DSCR: 1.36<br> Reserves: [Redact] |  |  | 03/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223008429 | [Redact] | [Redact] |  | 33124712 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Upon further review, the additional assets provided to clear the reserve requirement condition only verified 1 months' statement and the guidelines required 2 months. Provide an additional months' statement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | FICO: 756<br>The DSCR of 1.36 is greater than the minimum required DSCR of 1.00. | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact],Aggregator | Reviewer Comment (2025-03-26): Client elected to waive the condition with the following compensating factors: <br> FICO: 756<br> DSCR: 1.36<br> Reserves: [Redact] |  |  | 03/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223008430 | [Redact] | [Redact] |  | 33033244 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The property city disclosed on the appraisal did not match the property city on the Note. Provide a corrected appraisal with the updated city. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Client elect to waive with compensating factors: DSCR 1.30<br>Client elect to waive with compensating factors: Months Reserve: 30+ | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-03-24): Client elect to waive with compensating factors: DSCR 1.30<br> Months Reserve: 30+<br>Reviewer Comment (2025-03-24): to regrade with compensating factors<br>Reviewer Comment (2025-03-18): Client elects to waive: Legal description and APN number matches.<br>Reviewer Comment (2025-03-14): An address affidavit or updated appraisal and desk review is required. Condition remains<br>Seller Comment (2025-03-13): [Redact] and [Redact] are one and the same. Legal description matches. |  |  | 03/24/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223008430 | [Redact] | [Redact] |  | 33033246 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The property city disclosed on the desk review did not match the property city on the Note. Provide a corrected desk review with the updated city. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Client elect to waive with compensating factors: DSCR 1.30<br>Client elect to waive with compensating factors: Months Reserve: 30+ | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-03-24): Client elect to waive with compensating factors: DSCR 1.30<br> Months Reserve: 30+<br>Reviewer Comment (2025-03-24): to regrade with compensating factors<br>Reviewer Comment (2025-03-18): Client elects to waive: Legal description and APN number matches.<br>Reviewer Comment (2025-03-14): An address affidavit or updated appraisal and desk review is required. Condition remains<br>Seller Comment (2025-03-13): [Redact] and [Redact] are one and the same. Legal description matches. |  |  | 03/24/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223008432 | [Redact] | [Redact] |  | 33058580 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Authorization to obtain consumer and credit reports and release is missing in the file for both guarantors. |  |  |  | Reviewer Comment (2025-03-17): Disclosure provided. Exception cleared.<br>Seller Comment (2025-03-17): CAF for both the borrowers has been uploaded, this was uploaded in the initial upload | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| 223008434 | [Redact] | [Redact] |  | 33012539 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | The appraisal identified the property is tenant occupied and a copy of the lease agreement was not provided |  |  |  | Reviewer Comment (2025-03-13): Received Lease Agreement. Exception Cleared.<br>Seller Comment (2025-03-12): Lease uploaded | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008440 | [Redact] | [Redact] |  | 33031738 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Authorization to Obtain Consumer credit was not executed by the guarantor. |  |  |  | Reviewer Comment (2025-03-20): Received Signed Credit Authorization. Exception Cleared.<br>Seller Comment (2025-03-19): CAF uploaded<br>Reviewer Comment (2025-03-17): Document provided is for a different borrower.<br>Seller Comment (2025-03-17): CAF uploaded | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008442 | [Redact] | [Redact] |  | 33037204 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file contained one months' statement for the business assets used for reserves; guides require 2 months. |  |  |  | Reviewer Comment (2025-03-14): Additional months statement provided<br>Seller Comment (2025-03-14): Acct #[Redact], December and January statements uploaded | 03/14/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008446 | [Redact] | [Redact] |  | 33016125 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide a copy of the credit report obtained at or prior to consummation for the guarantor. The only credit report in file for the guarantor was dated post-closing. |  |  |  | Reviewer Comment (2025-03-13): Received prior to consummation credit report. Exception Cleared.<br>Seller Comment (2025-03-12): Updated credit report uplaoded | 03/13/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223008448 | [Redact] | [Redact] |  | 33014972 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide a copy of the credit report obtained at or prior to consummation for the guarantor. The only credit report in file for the guarantor was dated post-closing. |  |  |  | Reviewer Comment (2025-03-13): Received prior to consummation credit report. Exception Cleared.<br>Seller Comment (2025-03-12): Updated credit report uploaded | 03/13/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | D A |  | N/A | No |
| 223008449 | [Redact] | [Redact] |  | 33019623 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide a copy of the credit report obtained at or prior to consummation for the guarantor. The only credit report in file for the guarantor was dated post-closing. |  |  |  | Reviewer Comment (2025-03-13): Received prior to consummation credit report. Exception Cleared.<br>Seller Comment (2025-03-12): Updated credit repot uploaded | 03/13/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223008449 | [Redact] | [Redact] |  | 33019640 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a copy of the tax cert or other documentation to verify the amount of taxes used to qualify, [Redact] per month. The tax cert in file states the taxes are exempt. |  |  |  | Reviewer Comment (2025-03-13): Response from lender confirmed taxes were exempt, however they used an average of the comparable sales taxes to qualify to be conservative<br>Seller Comment (2025-03-12): As per the tax doc and appraisal report the tax value is [Redact]. Hence we considered the comparables average taxes here. | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223008450 | [Redact] | [Redact] |  | 33016115 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a copy of the credit report obtained at or prior to consummation for the guarantor. The only credit report in file for the guarantor was dated post-closing. |  |  |  | Reviewer Comment (2025-03-13): Credit report dated prior to closing provided<br>Seller Comment (2025-03-12): Updated credit report uploaded | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223008451 | [Redact] | [Redact] |  | 33031306 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  |  | 03/13/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| 223008455 | [Redact] | [Redact] |  | 33055533 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed [Redact] of title insurance Coverage; however, this is less than the loan amount of [Redact] |  |  |  |  |  |  | 03/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223008456 | [Redact] | [Redact] |  | 33058630 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Authorization to obtain consumer and credit reports and release is missing in the file. |  |  |  | Reviewer Comment (2025-03-19): Doc provided. Exception cleared.<br>Seller Comment (2025-03-18): CAF uploaded | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008457 | [Redact] | [Redact] |  | 33039612 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | The file is missing the final closing statement, unable to capture fees, cash out and confirm if there is sufficient reserves using the cash out proceeds |  |  |  | Reviewer Comment (2025-03-17): HUD-1 provided. Exception cleared.<br>Seller Comment (2025-03-17): HUD uploaded | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008457 | [Redact] | [Redact] |  | 33039613 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | The file is missing the final closing statement, unable to capture fees, cash out and confirm if there is sufficient reserves using the cash out proceeds |  |  |  | Reviewer Comment (2025-03-17): HUD-1 provided. Exception cleared.<br>Seller Comment (2025-03-17): HUD uplaoded to verify cash reserve | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008457 | [Redact] | [Redact] |  | 33039631 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The final closing statement/HUD-1 or CD is missing in the file. |  |  |  | Reviewer Comment (2025-03-17): HUD-1 provided. Exception cleared.<br>Seller Comment (2025-03-17): HUD uploaded | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008457 | [Redact] | [Redact] |  | 33039660 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file is missing the final closing statement, unable to capture fees, cash out and confirm if there is sufficient reserves using the cash out proceeds |  |  |  | Reviewer Comment (2025-03-17): HUD-1 provided. Exception cleared.<br>Seller Comment (2025-03-17): HUD uplaoded to verify cash reserve | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008457 | [Redact] | [Redact] |  | 33058618 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Authorization to obtain consumer and credit reports and release is missing in the file. |  |  |  | Reviewer Comment (2025-03-17): Doc provided. Exception cleared.<br>Seller Comment (2025-03-17): CAF uplaoded | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008458 | [Redact] | [Redact] |  | 33058052 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Title Note grace period days less than minimum per state |  |  |  | Buyer Comment (2025-03-18): Exception is a B, non material. Waive and remain a B. |  |  | 03/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223008458 | [Redact] | [Redact] |  | 33060642 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Authorization to obtain consumer and credit reports and release is missing in the file. |  |  |  | Reviewer Comment (2025-03-18): Doc provided. Exception cleared.<br>Seller Comment (2025-03-17): CAF uploaded | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223008459 | [Redact] | [Redact] |  | 33041439 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Title preliminary was not provided. |  |  |  | Reviewer Comment (2025-03-18): Final Title Policy provided. Exception cleared.<br>Reviewer Comment (2025-03-18): Required Preliminary/Commitment Title. Exception Remains.<br>Seller Comment (2025-03-17): Final policy uploaded | 03/18/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008460 | [Redact] | [Redact] |  | 33041458 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-03-19): Updated policy provided. Exception cleared.<br>Seller Comment (2025-03-18): Updated title commitment uploaded | 03/19/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008462 | [Redact] | [Redact] |  | 33064744 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 2.26 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2025-03-19): Docs provided to source [Redact] EMD. Exception cleared.<br>Seller Comment (2025-03-19): Updated bank statements uploaded covering cash to close and source of EMD of [Redact] uploaded | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008462 | [Redact] | [Redact] |  | 33064750 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets for Closing of [Redact] is less than Cash From Borrower [Redact] |  |  |  | Reviewer Comment (2025-03-19): Docs provided to source [Redact] EMD. Exception cleared.<br>Seller Comment (2025-03-18): Asset required for closing is around [Redact], advise how is [Redact] sourced | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008462 | [Redact] | [Redact] |  | 33064754 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  |  |  |  |  | Reviewer Comment (2025-03-19): Docs provided to source [Redact] EMD. Exception cleared. | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008462 | [Redact] | [Redact] |  | 33064767 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Calculated PITIA months reserves of 2.26 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2025-03-19): Docs provided to source [Redact] EMD. Exception cleared. | 03/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008463 | [Redact] | [Redact] |  | 33056540 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing from file. |  |  |  | Reviewer Comment (2025-03-18): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-03-17): Uploaded | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008463 | [Redact] | [Redact] |  | 33056546 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report document is missing from file. |  |  |  | Reviewer Comment (2025-03-18): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-03-17): Uploaded | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008464 | [Redact] | [Redact] |  | 33058174 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Title Note grace period days less than minimum per state |  |  |  | Buyer Comment (2025-03-18): Exception is a B, non material. Waive and remain a B. |  |  | 03/18/2025 | 2 B |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| 223008468 | [Redact] | [Redact] |  | 33058692 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the Authorization to obtain consumer and credit reports disclosure. |  |  |  | Reviewer Comment (2025-03-18): Received Borrower Authorization. Exception Cleared.<br>Seller Comment (2025-03-17): CAF uploaded - this is uploaded in the initial upload | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223008476 | [Redact] | [Redact] |  | 33062453 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Policy coverage shortfall of [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-03-20): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-03-19): Here is a letter from the carrier the amount agreed is based on functional replacement because being built in 1900 and more than 15 years since room repairs and electrical renovation. The carrier will not insure appraisal replacement cost.<br>Reviewer Comment (2025-03-18): The coverage is still short by [Redact]. The Agreed value is a between the insurance company and policy holder agree on a set value for the property. This does not confirm that it will cover the entire cost of the property in the event of a total loss, it only confirms an agreed upon amount without depreciation. If an RCE is not available then a new policy with the required coverage is needed. Exception remains.<br>Seller Comment (2025-03-17): Be advised that this policy states that is Agreed value, which removes the coinsurance clause and settlement its at the amount higher than the loan per out guidelines (attached copy) - Limit is Loan Value. If Loan Value is less than Replacement Cost, you must have an Agreed Value Policy OR have zero coinsurance. In this case loan amount is [Redact] and borrower's insurance agrees to settle total loss claim at [Redact] which is higher than the loan amount we expect for agreed value policies. This is is not a RC policy settlement its AGREED therefore there will be no replacement cost estimator. Our guidelines attached<br>Seller Comment (2025-03-17): Be advised that this policy states that is Agreed value, which removes the coinsurance clause and settlement its at the amount higher than the loan per out guidelines (attached copy) - Limit is Loan Value. If Loan Value is less than Replacement Cost, you must have an Agreed Value Policy OR have zero coinsurance. In this case loan amount is [Redact] and borrower's insurance agrees to settle total loss claim at [Redact] which is higher than the loan amount we expect for agreed value policies. This is is not a RC policy settlement its AGREED therefore there will be no replacement cost estimator. | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008479 | [Redact] | [Redact] |  | 33061681 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Authorization to obtain consumer and credit reports and release is missing in the file. |  |  |  | Reviewer Comment (2025-03-18): Received Borrower Authorization. Exception Cleared.<br>Seller Comment (2025-03-17): CAF uploaded | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008479 | [Redact] | [Redact] |  | 33061876 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-03-18): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-03-17): Uploaded | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223008481 | [Redact] | [Redact] |  | 33060945 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2025-03-18): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-03-17): Attached is RC estimator<br>Seller Comment (2025-03-17): Be advised that this carrier charges [Redact] per sq footage for full replacement cost that is how they rating valuation works. | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223008840 | [Redact] | [Redact] | [Redact] | 33005072 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-21): (Rate Lock) [Redact] | 04/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 223011309 | [Redact] | [Redact] |  | 33006686 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-02-03): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-01-31): Appraisal delivery | 02/03/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| 223011309 | [Redact] | [Redact] |  | 33006687 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing bank statements that show the [Redact] and [Redact] rent deposits for 2 months. Printout in file was not evidence of bank statements deposit and net rents (after management fee deductions) are not accepted as management fees are not documented. |  |  |  | Reviewer Comment (2025-02-20): Received 2 Months Statement verification for rental deposit of [Redact] and [Redact]. Exception Cleared<br>Buyer Comment (2025-02-19): rent letter<br>Buyer Comment (2025-02-19): underwriter email<br>Reviewer Comment (2025-02-05): Noted rental deposit for [Redact] verified for [Redact] and [Redact] on bank statement. Deposit for [Redact] verified for [Redact] however [Redact] rent reflects part payment of [Redact] only missing deposit for balance [Redact]. Exception remains.<br>Buyer Comment (2025-02-04): Bank statements | 02/20/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| 223011317 | [Redact] | [Redact] |  | 33006717 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing evidence of the [Redact] rent deposit for [Redact]. |  |  |  | Reviewer Comment (2025-02-25): Received [Redact] payment, Security Deposit and Animal one time combined payment deposit. Exception cleared<br>Buyer Comment (2025-02-25): Per lender : [Redact] Statement showing deposit and first months rent<br>Reviewer Comment (2025-02-20): Noted. Received Deposit slip dated [Redact] reflecting on [Redact] bank statement on [Redact] which is already in file. However Bank statement reflecting rent deposit for the month of [Redact] is required. Exception Remains<br>Buyer Comment (2025-02-20): Deposit slip | 02/25/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223011928 | [Redact] | [Redact] | [Redact] | 33007085 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | 04/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 223011928 | [Redact] | [Redact] | [Redact] | 33146506 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-31): Sufficient Cure Provided At Closing |  | 03/31/2025 |  | 1 A |  | [Redact] | Investment | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 223011928 | [Redact] | [Redact] | [Redact] | 33146507 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-03-31): Sufficient Cure Provided At Closing |  | 03/31/2025 |  | 1 A |  | [Redact] | Investment | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 223012040 | [Redact] | [Redact] | [Redact] | 33007267 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 223012040 | [Redact] | [Redact] | [Redact] | 33146903 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-03-31): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/31/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| 223013879 | [Redact] | [Redact] | [Redact] | 33015556 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-21): (Rate Lock) [Redact] | 04/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 223040985 | [Redact] | [Redact] |  | 33055587 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-02-24): Received background check. Exception Cleared.<br>Buyer Comment (2025-02-22): Fraud Report | 02/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055589 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of [Redact] is less than Cash From Borrower [Redact]. |  |  |  | Reviewer Comment (2025-02-24): Received bank statement. Exception Cleared.<br>Buyer Comment (2025-02-22): [Redact] Activity<br>Buyer Comment (2025-02-22): [Redact] Statement | 02/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055590 |  | Compliance | Compliance | Federal Compliance | Compliance | Consumer Purpose Determined On Investment Property Test | Loan file contains documentation that may indicate subject transaction was originated as a consumer purpose loan. Client to review and determine if loan should be tested for full Credit/Compliance. | The file is missing the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-02-21): Received Business Purpose Certificate signed by the guarantor. Exception cleared.<br>Buyer Comment (2025-02-20): Business Purpose Certificate<br>Reviewer Comment (2025-02-10): No document received. Business purpose certificate stating funds from the transaction will be used for business purpose and property will not be occupy as primary residence. Exception remains.<br>Buyer Comment (2025-02-07): Per Lender: File contains documentation identifying that this is a business loan see D0045; W9; Tenant Affidavit D0103 | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055591 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment Test | [Redact] SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2025-02-05): Acknowledged as non-material. |  |  | 02/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055592 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Missing evidence of rent loss insurance. |  |  |  | Reviewer Comment (2025-02-21): Received insurance policy covering rent loss. Exception cleared.<br>Buyer Comment (2025-02-20): HOI | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055593 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence the appraisal was provided to the borrower. |  |  |  | Buyer Comment (2025-02-05): Acknowledged as non-material due to buyer request. |  |  | 02/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055594 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2025-02-24): Received bank statement. Exception Cleared.<br>Buyer Comment (2025-02-21): [Redact] Statement<br>Buyer Comment (2025-02-21): [Redact]<br>Buyer Comment (2025-02-21): Statement | 02/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055595 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | The file is missing the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-02-21): Received Business Purpose Certificate signed by the guarantor. Exception cleared.<br>Buyer Comment (2025-02-20): BP | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223040985 | [Redact] | [Redact] |  | 33055596 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the entity. |  |  |  | Reviewer Comment (2025-02-21): Received OFAC for borrowing business entity. Exception cleared.<br>Buyer Comment (2025-02-20): OFAC | 02/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223041000 | [Redact] | [Redact] | [Redact] | 33055750 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian | 03/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223041000 | [Redact] | [Redact] | [Redact] | 33074855 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-04-01): W2 transcripts provided<br>Seller Comment (2025-04-01): W2 Transcript<br>Reviewer Comment (2025-03-24): Per section 5.1.7: The W-2's, 1099's, and tax returns provided by an Applicant must be verified by the IRS. The W2 transcripts are required. Condition remains<br>Seller Comment (2025-03-24): This is still not required per Section 5.1.2 which confirms the transcripts are required when solely relying on WVOE to qualify, we are not relying on the WVOE to qualify. We have paystubs, year end paystubs and W2s to support those year end paystubs. Please escalate for management review. Thank you.<br>Reviewer Comment (2025-03-21): In the subject column for 5.1.7 it states "When applicant is relying on W-2 income to qualify and W-2 transcripts are not yet available". Meaning, when the transcripts are not yet available then they can use a year end paystub, etc. At the bottom, there is a note which states "If transcripts are not available, we will require record of attempt to pull. (i.e., document showing no record found). Which also is not in file. Condition remains.<br>Seller Comment (2025-03-21): Please cancel this condition- Section 5.1.2 Salaried Applicants confirms the W2 transcript is only required when using WVOE solely to qualify. The minimum documentation for salaried applicants is 30 days of paystubs and last two year W2s. Tax Transcripts are underwriter discretion as confirmed in Section 5.1.7. Guidelines- When Applicant is relying on W-2 income to qualify, and W2 transcripts are not yet available; A WVOE or year-end paystub is required to be provided in support of the W-2, based on underwriter's discretion. Year end paystubs were provided to support the w2 income. | 04/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223047541 | [Redact] | [Redact] | [Redact] | 33057528 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-18): (Rate Lock) [Redact] | 04/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223047541 | [Redact] | [Redact] | [Redact] | 33287036 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-04-17): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223054291 | [Redact] | [Redact] | [Redact] | 33065797 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-15): (Rate Lock) [Redact] | 04/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223054291 | [Redact] | [Redact] | [Redact] | 33230441 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-04-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/10/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223055686 | [Redact] | [Redact] |  | 33066655 |  | 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. | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. |  |  |  | Reviewer Comment (2025-02-21): Non QM<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 | 02/21/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223055686 | [Redact] | [Redact] |  | 33066657 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.06728% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. | Loan to Value: 26.87117%<br>Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt. | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-21): Compensating factor: Loan to Value: 26.87117%.<br> Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt.. Client elects to downgrade and waive.<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 |  |  | 02/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055686 | [Redact] | [Redact] |  | 33066658 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. | Loan to Value: 26.87117%<br>Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt. | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-21): Compensating factor: Loan to Value: 26.87117%.<br> Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt.. Client elects to downgrade and waive.<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 |  |  | 02/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055686 | [Redact] | [Redact] |  | 33066659 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. |  |  |  | Reviewer Comment (2025-02-21): Compensating factor: Loan to Value: 26.87117%.<br> Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt.. Client elects to downgrade and waive.<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 |  |  | 02/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055686 | [Redact] | [Redact] |  | 33066660 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. | Loan to Value: 26.87117%<br>Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt. | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-21): Compensating factor: Loan to Value: 26.87117%.<br> Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years. Minimal consumer debt.. Client elects to downgrade and waive.<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 |  |  | 02/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055686 | [Redact] | [Redact] |  | 33066661 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Right to Receive an Appraisal Disclosure was not provided to the borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-02-13): Appraisal receipt provided, exception cleared.<br>Buyer Comment (2025-02-10): Appraisal proof of delivery dated [Redact] for report signed [Redact] was already provided with loan file. Loan closed [Redact]. Uploaded another copy for your review.. | 02/13/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055686 | [Redact] | [Redact] |  | 33066662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Credit Report (Doc_ID: 0372) is reflecting liability as [Redact] (Account Type: Revolving, Payment: [Redact], Balance: [Redact]) and same has been updated in Credit Screen however Final 1003 and 1008 are not consider this liability. The calculated DTI is 51.06728% which is exceeding from 50% and not matching with DTI of 1008. |  |  |  | Reviewer Comment (2025-02-21): Exception cleared.<br>Buyer Comment (2025-02-18): See uploaded Approved Exception, amended 1003 and 1008 | 02/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055687 | [Redact] | [Redact] |  | 33066665 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations is missing in file. |  |  |  | Reviewer Comment (2025-02-20): List of Homeownership Counseling Organizations provided, exception cleared.<br>Buyer Comment (2025-02-14): please see the homeownership counseling organization list | 02/20/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223055687 | [Redact] | [Redact] |  | 33066666 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redact] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redact] is over disclosed by [Redact] compared to the calculated Amount Financed of [Redact] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redact]). | Final Closing Disclosure reflects Amount Finance of [Redact] but calculated Amount Finance of [Redact]. Variance = [Redact]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-03-05): [Redact] received rebuttal that fees were updated and State of [Redact]. [Redact] revisited the issue with outside counsel and received guidance indicating that the determination of whether the APR, Finance Charge, Amount Financed, and TOP disclosed to the consumer at consummation is accurate will be based on whether the creditor disclosed based on the best information reasonably available at the time of disclosure. Note that the "reasonably available" standard requires that the creditor, acting in good faith, exercise due diligence in obtaining information. If there is sufficient documentation in the loan file to support that disclosures were made based on best information reasonably available and creditor acted in good faith and exercised diligence in obtaining the information and the inaccuracies in disclosures are attributable to events occurring after the disclosures are made (not information the lender was aware of or should have been aware of at the time of disclosure), an violation would not be cited for inaccurate disclosures (APR, Finance Charge, Amount Financed, TOP). Note that dry state closings, in and of itself, would not be sufficient reason for fees to increase and not result in an under disclosure finding. As noted, there must be documentation in file to support that disclosures at consummation were: 1. made based on best information reasonably available; 2. that creditor acted in good faith and exercised diligence in obtaining the information; and 3. the inaccuracies in disclosures are attributable to events occurring after the disclosures are made (not information the lender was aware of or should have been aware of at the time of disclosure) For the subject transaction, lender provided a borrower's estimated settlement statement from the settlement agent dated [Redact], the same date as the final CD at consummation which supports that the disclosure was made based on the best information reasonably available and creditor acted in good faith and exercised diligence in obtaining the information. Settlement agent was not a vendor listed on lender's SSPL disclosure and would not have been aware of the fee amounts for diligence. On [Redact], creditor received an updated settlement reflecting an increase in fees paid to a third-party provider selected by the borrower that occurred subsequent to the disclosure at consummation (not fees lender had control of or should have reasonably been aware of at the time of disclosure at consummation). Accordingly, based on sufficient documentation in loan file, Finance charge and Amount financed. exceptions cleared pursuant to 026.19(f)(1)(2) and 1026.17(c)(e). The Notary fee of [Redact] on the estimated would not have been a finance charge (along with the Archive fee not disclosed or the courier fee not disclosed) but on the updated final settlement statement it then changes to a Signing Fee, not Notary, which would be a finance charge.<br>Reviewer Comment (2025-03-03): [Redact] re-reviewed the [Redact] Corrected CD. However, the Final CD at closing on [Redact] disclosed a finance charge that was underdisclosed by [Redact]. The [Redact] PCCD updated fees which included increased finance charge fees that were not disclosed on the Final CD and thus the Final CD was underdisclosed over the tolerance threshold. Cure to borrower would include Corrected CD, a copy of LOE to borrower explaining the PCCD updates and explain the underdisclosure and cure, copy of cure refund for the [Redact], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-02-27): Please review the uploaded [Redact] amount financed is [Redact]<br>Reviewer Comment (2025-02-20): [Redact] received [Redact] PCCD. However, this does not cure the violation. The finance charges were underdisclosed at closing by [Redact]. To cure, provide the LOE that accompanied the PCCD, copy of cure refund for [Redact], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-02-18): please see the [Redact] PCCD | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 223055687 | [Redact] | [Redact] |  | 33066667 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redact] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redact] is under disclosed by [Redact] compared to the calculated Finance Charge of [Redact] which exceeds the [Redact] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redact]). | Final Closing Disclosure reflects Finance Charge of [Redact] but calculated Finance Charge of [Redact]. Variance = -[Redact]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-03-05): [Redact] received rebuttal that fees were updated and State of [Redact]. [Redact] revisited the issue with outside counsel and received guidance indicating that the determination of whether the APR, Finance Charge, Amount Financed, and TOP disclosed to the consumer at consummation is accurate will be based on whether the creditor disclosed based on the best information reasonably available at the time of disclosure. Note that the "reasonably available" standard requires that the creditor, acting in good faith, exercise due diligence in obtaining information. If there is sufficient documentation in the loan file to support that disclosures were made based on best information reasonably available and creditor acted in good faith and exercised diligence in obtaining the information and the inaccuracies in disclosures are attributable to events occurring after the disclosures are made (not information the lender was aware of or should have been aware of at the time of disclosure), an violation would not be cited for inaccurate disclosures (APR, Finance Charge, Amount Financed, TOP). Note that dry state closings, in and of itself, would not be sufficient reason for fees to increase and not result in an under disclosure finding. As noted, there must be documentation in file to support that disclosures at consummation were: 1. made based on best information reasonably available; 2. that creditor acted in good faith and exercised diligence in obtaining the information; and 3. the inaccuracies in disclosures are attributable to events occurring after the disclosures are made (not information the lender was aware of or should have been aware of at the time of disclosure) For the subject transaction, lender provided a borrower's estimated settlement statement from the settlement agent dated [Redact], the same date as the final CD at consummation which supports that the disclosure was made based on the best information reasonably available and creditor acted in good faith and exercised diligence in obtaining the information. Settlement agent was not a vendor listed on lender's SSPL disclosure and would not have been aware of the fee amounts for diligence. On [Redact], creditor received an updated settlement reflecting an increase in fees paid to a third-party provider selected by the borrower that occurred subsequent to the disclosure at consummation (not fees lender had control of or should have reasonably been aware of at the time of disclosure at consummation). Accordingly, based on sufficient documentation in loan file, Finance charge and Amount financed. exceptions cleared pursuant to 026.19(f)(1)(2) and 1026.17(c)(e). The Notary fee of [Redact] on the estimated would not have been a finance charge (along with the Archive fee not disclosed or the courier fee not disclosed) but on the updated final settlement statement it then changes to a Signing Fee, not Notary, which would be a finance charge.<br>Reviewer Comment (2025-03-03): [Redact] re-reviewed the [Redact] Corrected CD. However, the Final CD at closing on [Redact] disclosed a finance charge that was underdisclosed by [Redact]. The [Redact] PCCD updated fees which included increased finance charge fees that were not disclosed on the Final CD and thus the Final CD was underdisclosed over the tolerance threshold. Cure to borrower would include Corrected CD, a copy of LOE to borrower explaining the PCCD updates and explain the underdisclosure and cure, copy of cure refund for the [Redact], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-02-27): Please see the uploaded [Redact] CD finance charge is [Redact].<br>Reviewer Comment (2025-02-20): [Redact] received [Redact] PCCD. However, this does not cure the violation. The finance charges were underdisclosed at closing by [Redact]. To cure, provide the LOE that accompanied the PCCD, copy of cure refund for [Redact], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-02-18): please see the uploaded pccd [Redact] | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 223055687 | [Redact] | [Redact] |  | 33066669 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The disaster end date is not yet update. |  |  |  | Reviewer Comment (2025-03-03): New exception cited with end date.<br>Reviewer Comment (2025-02-20): Exception cleared.for FEMA end date.<br>Buyer Comment (2025-02-20): There is an end date to the Major Disaster Declaration. | 03/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223055687 | [Redact] | [Redact] |  | 33066670 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The appraisal was provided to the borrower on [Redact] before the appraiser's signature of completion on [Redact]. |  |  |  | Reviewer Comment (2025-02-20): Appraisal Receipt provided date of [Redact], exception cleared.<br>Buyer Comment (2025-02-14): Please see the uploaded POD | 02/20/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223055687 | [Redact] | [Redact] |  | 33066671 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA area, a Post Disaster Inspection is required showing no evidence of damage to the property. |  |  |  | Reviewer Comment (2025-03-11): PDI provided<br>Buyer Comment (2025-03-05): please see the uploaded PDI<br>Reviewer Comment (2025-03-03): The appraisal in the file has an effective date prior to the Disaster Declaration date, we would need a PDI to clear.<br>Buyer Comment (2025-02-26): Page 62 in the appraisal package above the appraiser signature - it is noted appraiser noted that the subject was not affected by the [Redact] disaster. | 03/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223055689 | [Redact] | [Redact] | [Redact] | 33066674 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | 04/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223055689 | [Redact] | [Redact] | [Redact] | 33154432 |  | 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. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223055690 | [Redact] | [Redact] |  | 33066678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provided. |  |  |  | Reviewer Comment (2025-02-23): [Redact] received COC dated [Redact] indicates Title fees shopped. Also, the fee was not disclosed last LE and was added is in section C of initial CD dated [Redact] selected same name provider and the fee is not boun by tolerance.<br>Buyer Comment (2025-02-19): Uploaded COC issued [Redact] reflecting increase in wire fee | 02/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055690 | [Redact] | [Redact] |  | 33066679 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provided. |  |  |  | Reviewer Comment (2025-02-23): [Redact] received COC dated [Redact] indicates Title fees shopped. Also, the fee was not disclosed last LE and was added is in section C of initial CD dated [Redact] selected same name provider and the fee is not boun by tolerance.<br>Buyer Comment (2025-02-19): Uploaded COC issued [Redact] reflecting increase in endorsement fee | 02/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055690 | [Redact] | [Redact] |  | 33066681 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-02-24): Post Disaster Inspection provided, exception cleared.<br>Buyer Comment (2025-02-19): Uploaded PDI | 02/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055690 | [Redact] | [Redact] |  | 33066682 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Right to Receive an Appraisal Disclosure was not provided to the borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-03-12): Client elects to waive and accept the B grade for loan.<br>Buyer Comment (2025-03-11): Please provide status<br>Buyer Comment (2025-03-07): [Redact] accepts the B grade, please waive condition<br>Reviewer Comment (2025-03-05): The last appraisal sent, with a report date of [Redact], was sent on [Redact], per document in file. There is no borrower receipt, so the assumed receipt date is [Redact], which is less than 3 days from closing.<br>Buyer Comment (2025-03-04): Uploaded proof of delivery by email to borrower<br>Buyer Comment (2025-03-04): Uploaded proof delivery by email to borrower |  |  | 03/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055691 | [Redact] | [Redact] |  | 33066684 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Disclosure missing |  |  |  | Reviewer Comment (2025-03-05): E-consent provided<br>Buyer Comment (2025-03-03): Upld all proof Thank you .<br>Buyer Comment (2025-03-03): see attached<br>Buyer Comment (2025-03-03): Hi please see attached ;) thank u<br>Buyer Comment (2025-03-03): hi please see attached<br>Reviewer Comment (2025-02-21): The screen shot is highlighted for [Redact]. The earliest LE signed is [Redact]. There is nothing on the screen shot that states the borrower acknowledges to receive e-docs on [Redact].<br>Buyer Comment (2025-02-18): please see attached for : Appraisal date sent to borrower,LE sent b4 closing and E-Consent achnowleged by borrower | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223055691 | [Redact] | [Redact] |  | 33066685 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing the date the appraisal was sent to the borrower |  |  |  | Reviewer Comment (2025-02-21): Appraisal sent date provided<br>Buyer Comment (2025-02-18): please see attached for : Appraisal date sent to borrower | 02/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223055691 | [Redact] | [Redact] |  | 33066688 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing the initial, signed closing disclosure |  |  |  | Reviewer Comment (2025-02-20): [Redact] received [Redact] Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2025-02-19): Initial CD dated [Redact] was acknowledged by borrowers [Redact] and docs went out [Redact] dated for [Redact]<br> see screen shot<br>Reviewer Comment (2025-02-19): [Redact] received rebuttal. However, the initial CD dated [Redact] should have been received to borrower prior to 3 business days from closing. Please provide evidence of receipt of initial CD to borrower prior to 3 business days from closing<br>Buyer Comment (2025-02-18): LE sent b4 closing | 02/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| 223055692 | [Redact] | [Redact] |  | 33066690 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-02-19): B grade acceptable |  |  | 02/19/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223055692 | [Redact] | [Redact] |  | 33066692 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provide. |  |  |  | Reviewer Comment (2025-02-20): [Redact] received VCC.<br>Buyer Comment (2025-02-20): [Redact] COC uploaded clearly advising the UW fee was bought out and the amount decreased from. This was bought out to pass QM<br>Reviewer Comment (2025-02-20): [Redact] received COC dated [Redact], however it doesn't provide sufficient information on why UW fee was bought out. Please provide additional sufficient information or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-19): COC was already provided in original upload, page 114 D0208 and reuploaded. COC states borrower elected bought out owing fees which reduced the lender credit. Please clear | 02/20/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055692 | [Redact] | [Redact] |  | 33066693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | No cure and no valid COC provide. |  |  |  | Reviewer Comment (2025-02-28): [Redact] received email confirmation for rebuttal comment for the SSPL does not shows [Redact], borrower did shop and allowed to shop for Title fees and the fee placement was an error.<br>Buyer Comment (2025-02-26): SSPL already directed and provided in original uploaded advising borrower DID shop as they went with a different title company. This must be cleared or escalated to management<br>Buyer Comment (2025-02-26): Funding manager email response. We have advised on a few occasions that the placement was done in error.<br>Reviewer Comment (2025-02-25): Per SFA TRID GRID 4.0, relating to the LE and the Written List of Providers (SSPL disclosure), the inclusion of the fee in Section C is the primary determination of whether the consumer was permitted to shop and the SSPL, does not, ina nd of itself, serve as primary evidence that the consumer was permitted to shop for those services. (Non-Shoppable is disclosed in Section B on LE). Because there is evidence title fees were shoppable in Section C based on the most recent LE and the Title-Recording Service Fee was paid to the same provider as other shoppable title services, [Redact] would require an LOE or comment from the lender indicating the placement of the title-recording Service fee in Section B of the LE's was an error and confirm that the borrower was in fact permitted to shop for all title services as reflected in Section C of the LE and including the recording service.<br> Upon receipt of the additional lender information, we can review and test accordingly as a shoppable fee.<br>Reviewer Comment (2025-02-20): In order to determine whether the borrower is permitted to shop for a service (and therefore eligible for 10% or unlimited tolerance), TRID regulations provide that shoppable services be identified on the LE. See 1026.19(a)(1)(vi) and related commentary which provides:<br> Shopping for settlement service providers.<br> 2. Disclosure of services for which the consumer may shop. Section 1026.19(e)(1)(vi)(B) requires the creditor to identify the services for which the consumer is permitted to shop in the disclosures provided pursuant to 1026.19(e)(1)(vi). See 1026.37(f)(3) regarding the content and format for disclosure of services for which the consumer may shop.<br> 1026.19(e)(1) refers to the LE and 1026.37(f)(3) refers to Section C of the LE (see below). Accordingly, fees/services not disclosed in Section C of the most recent LE are not considered services the borrower is permitted to shop for and are therefore not eligible for 10% or unlimited tolerance regardless of the SSPL. Note that even the SSPL refers the borrower to see Section C on page 2 of the LE to determine which fees borrower can shop for.<br> The fee was disclosed in section B on the final LE.<br>Reviewer Comment (2025-02-20): [Redact] received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the fee was included in section B of the most recent LE, the consumer was not allowed to shop, and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-19): Title recording service fee added to LE [Redact] when loan was locked. This was entered in the wrong bucket as this was part of the title fees. Moved on the CD to the correct C bucket on initial CD. This was not a cure. Please clear | 02/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055696 | [Redact] | [Redact] |  | 33066717 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as -[Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], 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 (2025-02-26): Exception cleared. COC in file doc ID 0239, rate increased, program change. | 02/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055696 | [Redact] | [Redact] |  | 33066719 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving Refinance 3 Months after prior Refinance at the same rate. Compensating factors include DTI less than 43%, Long term Homeowner. minimal Consumer debt and FICO being 10 points above requirements. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 12.06644% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 798 | Originator,[Redact]<br>Originator,[Redact] | Reviewer Comment (2025-02-24): Client elects to down grade and waive using compensating factors:<br> Guidelines Representative FICO: 680<br> Representative FICO: 798<br> DTI: 12.06644% <br> Guideline Maximum DTI: 50.00000% |  |  | 02/24/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223055698 | [Redact] | [Redact] |  | 33066724 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal receipt missing on file |  |  |  | Reviewer Comment (2025-03-03): Confirmed Appraisal receipt on [Redact] provided, exception cleared.<br>Buyer Comment (2025-02-27): the appraisal was signed [Redact] POD went out [Redact] & the note was signed [Redact]. this is 3 days prior to consummation. please let me know if you need anything else on this condition | 03/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223055698 | [Redact] | [Redact] |  | 33066725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing the Mortgage statement for the Investment Property @ [Redact] |  |  |  | Reviewer Comment (2025-03-05): First payment letter for refinanced loan, provided<br>Buyer Comment (2025-03-04): please see the property detail report<br>Buyer Comment (2025-03-04): The borrower's primary property, [Redact], was free and clear per property report. The lender did the cash out refi which funded [Redact] same day as this loan. We will not have a mortgage statement. We can only provide first payment letter from closing, attached | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223055698 | [Redact] | [Redact] |  | 33066726 |  | 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. | Loan designation mismatch due to File missing the Mortgage statement for the Investment Property @ [Redact] |  |  |  | Reviewer Comment (2025-03-05): First payment letter for refinanced loan, provided | 03/05/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223055698 | [Redact] | [Redact] |  | 33066727 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the Mortgage statement for the Investment Property @ [Redact] |  |  |  | Reviewer Comment (2025-03-05): First payment letter for refinanced loan, provided | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223055698 | [Redact] | [Redact] |  | 33066728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing the Mortgage statement for the Investment Property @ [Redact] |  |  |  | Reviewer Comment (2025-03-05): First payment letter for refinanced loan, provided | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223055701 | [Redact] | [Redact] |  | 33066742 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Right to Receive an Appraisal disclosure was provided on [Redact] not 3 days prior to closing. |  |  |  | Reviewer Comment (2025-03-12): Client elects to waive and accept the B grade for the loan.<br>Buyer Comment (2025-03-11): Please provide status<br>Buyer Comment (2025-03-07): [Redact] accepts the B grade, please waive condition |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | N/A | No |
| 223055702 | [Redact] | [Redact] |  | 33066748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Appraisal Fee in the amount of [Redact] was not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-02-26): [Redact] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-21): [Redact]-[Redact]-Cond check refund lox- is attached thank you :)<br>Buyer Comment (2025-02-21): Will provide soon thank you :)<br>Reviewer Comment (2025-02-21): [Redact] received Post CD and check request form. However, we would require copy of refund check, proof of mailing and LOX in order to cure the exception.<br>Buyer Comment (2025-02-19): hello , I attached proof for refund thank you :)<br>Reviewer Comment (2025-02-19): [Redact] received rebuttal comment and updated CD dated [Redact] and COC dated [Redact] that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the appraisal fee was increased also there seems to no cure documents available for the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-18): Hi attached is our Change of Circumstances showing the increased by [Redact] of 3days cure is prepared sorry I missed uploading all of the CD's showing the change thank you :) |  | 02/26/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223055735 | [Redact] | [Redact] | [Redact] | 33066749 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-01): Waived on Rate Lock: Collateral cleared by Custodian | 04/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| 223055735 | [Redact] | [Redact] | [Redact] | 33131069 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-27): Sufficient Cure Provided At Closing |  | 03/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223055736 | [Redact] | [Redact] |  | 33066751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving Property with less than [Redact] Square Feet. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | FICO is 675 vs the minimum of 660<br> Minimal credit debt | Originator Pre-Close,[Redact] | Reviewer Comment (2025-01-29): Client elects to down grade and waive using compensating factors<br> FICO is 675 vs the minimum of 660<br> Minimal credit debt |  |  | 01/29/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223055736 | [Redact] | [Redact] |  | 33066752 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in the file Approving Project with 85% of Units being Investment Properties. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact]. | FICO is 675 vs the minimum of 660<br> Minimal credit debt | Originator Pre-Close,[Redact] | Reviewer Comment (2025-01-29): Client elects to down grade and waive using compensating factors<br> FICO is 675 vs the minimum of 660<br> Minimal credit debt |  |  | 01/29/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223055736 | [Redact] | [Redact] |  | 33066753 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The fraud report does not include the guarantor as a participant for the OFAC section. |  |  |  | Reviewer Comment (2025-01-29): Fraud report provided, exception cleared.<br>Buyer Comment (2025-01-29): Fraud Report uploaded, this was already included with credit file | 01/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223055739 | [Redact] | [Redact] |  | 33066759 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Zip code is blank. |  | Zip code on the Note is [Redact] and the should read [Redact].<br>Provide an amendment to the Note or new the corrected Note signed by the borrower along with a letter of explanation to the borrower on why the are signing a new Note amendment / corrected Note. |  |  |  | Reviewer Comment (2025-02-25): Updated note provided<br>Buyer Comment (2025-02-20): corrected note, uploaded | 02/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 223055739 | [Redact] | [Redact] |  | 33066760 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Zip is blank was not provided |  | Zip code on the Security Instrument is [Redact] and the should read [Redact]. <br>Need Scrivener's affidavit to be signed and recorded or provide notice of intent to record the Security instrument signed and dated by the title agent along with the corrected borrower signed/notary security instrument. |  |  |  | Reviewer Comment (2025-02-25): Updated mortgage provided<br>Buyer Comment (2025-02-20): Corrected DOT uploaded | 02/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 223055741 | [Redact] | [Redact] |  | 33066767 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title policy is required to mitigate this exception. |  |  |  | Reviewer Comment (2025-02-12): Final title provided, exception cleared. | 02/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055741 | [Redact] | [Redact] |  | 33066768 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] 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 required to mitigate this exception. |  |  |  | Reviewer Comment (2025-02-12): Final title provided, exception cleared.<br>Buyer Comment (2025-02-12): Please provide status<br>Buyer Comment (2025-02-07): Uploaded Final Title Policy | 02/12/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055741 | [Redact] | [Redact] |  | 33066769 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving 10 Loans to 1 Borrower. Compensating factors include Experienced Investor and [Redact] in the Account. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>Borrower's Experience/Track Record | Borrower's Own Funds Percent: 6.25%<br> Borrower's Own Funds Amount: [Redact]<br>Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties. | Originator,[Redact]<br>Originator,[Redact] | Reviewer Comment (2025-02-06): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Borrower's Own Funds Percent: 6.25%<br> Borrower's Own Funds Amount: [Redact] |  |  | 02/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055741 | [Redact] | [Redact] |  | 33066770 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving Investor concentration of 84% which is more than the 60% allowed. Compensating factors include Post Closing Reserves of more than 12 Months and Borrower is a Long Term Homeowner. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>Borrower's Experience/Track Record | Borrower's Own Funds Percent: 6.25%<br> Borrower's Own Funds Amount: [Redact]<br>Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties. | Originator,[Redact]<br>Originator,[Redact] | Reviewer Comment (2025-02-06): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Borrower's Own Funds Percent: 6.25%<br> Borrower's Own Funds Amount: [Redact] |  |  | 02/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055742 | [Redact] | [Redact] |  | 33066772 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Project Investor concentration of 84% which is above the maximum of 60% allowed. Compensating factors include Post Closing Reserves above 12 Months, Loan term Homeowner and FICO being 10 Points above requirement. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-07): Client elects to down grade and waive using compensating factors<br> FICO is 765 vs the minimum of 660<br> Over 12 months reserves <br> Long time home owner |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055742 | [Redact] | [Redact] |  | 33066773 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | Borrower has > 4 loans.<br>Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-20): Client elects to downgrade and waive.<br> Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/20/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055743 | [Redact] | [Redact] |  | 33066775 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Condo Project Investor concentration of 84% which is above Guidelines maximum of 60%. Compensating factors include Post Closing Reserves of more than 12 Months, Long term Homeowner and FICO being more than 10 points above requirements. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-07): Client elects to down grade and waive using compensating factors<br> FICO is 765 vs the minimum of 660<br> Over 12 months of reserves<br> Long time home owner |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055743 | [Redact] | [Redact] |  | 33066776 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Borrower exceeding >4 loans.<br>Compensating factors:<br>Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-12): Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055744 | [Redact] | [Redact] |  | 33066778 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving Investor concentration of 84% in the Condo which above maximum allowed percentage of 60%. Compensating factors include Post Closing Reserves above 12 months, Lon term Homeowner and FICO at least 10 Points above requirements. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-07): Client elects to down grade and waive using compensating factors<br> FICO is 765 vs the minimum of 660<br> Long term homeowner<br> Over 12 months reserves |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055744 | [Redact] | [Redact] |  | 33066779 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Borrower exceeding >4 loans.<br>Compensating factors:<br>Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Originator,Originator Pre-Close,[Redact] | Reviewer Comment (2025-02-12): Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055745 | [Redact] | [Redact] |  | 33066781 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in the file approving Condo Project Investor concentration of 84% which is higher than Guidelines maximum of 60%. Compensating factors include Post closing Reserves greater than 12 Months, Long term homeowner and FICO being more than 10 points above requirements. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br>Guidelines Representative FICO: 660<br> Representative FICO: 765 | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055745 | [Redact] | [Redact] |  | 33066782 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving Borrower with ten Loans. Compensating factors include Experienced Investor and at least [Redact] in Borrowers Account. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br>Guidelines Representative FICO: 660<br> Representative FICO: 765 | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055746 | [Redact] | [Redact] |  | 33066783 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Condo Project Investor concentration of 84% which is above Guidelines maximum of 60%. Compensating factors include Post Closing Reserves of more than 12 Months, Long term Homeowner and FICO being more than 10 points above requirements. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves.<br>Borrower having > 4 loans.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | [Redact]<br>[Redact],Originator | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055746 | [Redact] | [Redact] |  | 33066785 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | Borrower having > 4 loans.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves.<br>Borrower having > 4 loans.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | [Redact]<br>[Redact],Originator | Reviewer Comment (2025-02-19): Client elects to downgrade and waive.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055747 | [Redact] | [Redact] |  | 33066786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Condo Project Investor concentration of 84% which is above Guidelines maximum of 60%. Compensating factors include Post Closing Reserves of more than 12 Months, Long term Homeowner and FICO being more than 10 points above requirements. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br>[Redact] in reserves.<br>Representative FICO: 765. | Originator Pre-Close,[Redact],Originator<br>Originator Pre-Close,Originator,[Redact] | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055747 | [Redact] | [Redact] |  | 33066788 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Borrower exceeding >4 loans.<br> Compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br>[Redact] in reserves.<br>Representative FICO: 765. | Originator Pre-Close,[Redact],Originator<br>Originator Pre-Close,Originator,[Redact] | Reviewer Comment (2025-02-12): Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055749 | [Redact] | [Redact] |  | 33066790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Condo Project Investor concentration of 84% which is above Guidelines maximum of 60%. Compensating factors include Post Closing Reserves of more than 12 Months, Long term Homeowner and FICO being more than 10 points above requirements. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> [Redact] in reserves.<br>Representative FICO: 765 | Originator Pre-Close,[Redact],Originator<br>Originator Pre-Close,Originator,[Redact] | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055749 | [Redact] | [Redact] |  | 33066792 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Number of properties financed exceeds amount allowed by guidelines. |  | Borrower exceeding >4 loans.<br> Compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> [Redact] in reserves.<br>Representative FICO: 765 | Originator Pre-Close,[Redact],Originator<br>Originator Pre-Close,Originator,[Redact] | Reviewer Comment (2025-02-12): Client elects to downgrade and waive. Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055750 | [Redact] | [Redact] |  | 33066793 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Signed and dated Note is missing in file. |  |  |  | Reviewer Comment (2025-02-13): Executed Note provided, exception cleared.<br>Buyer Comment (2025-02-10): Please see the uploaded note | 02/13/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 223055750 | [Redact] | [Redact] |  | 33066794 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is in the file approving Condo Project Investor concentration of 84% which is above Guidelines maximum of 60%. Compensating factors include Post Closing Reserves of more than 12 Months, Long term Homeowner and FICO being more than 10 points above requirements. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves.<br>Guidelines Representative FICO: 660<br> Representative FICO: 765 | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-07): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Guidelines Representative FICO: 660<br> Representative FICO: 765 |  |  | 02/07/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 223055750 | [Redact] | [Redact] |  | 33066796 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | Borrower having > 4 loans.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. | Borrower's Experience/Track Record<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves.<br>Guidelines Representative FICO: 660<br> Representative FICO: 765 | [Redact],Originator<br>Originator,[Redact] | Reviewer Comment (2025-02-19): Client elects to downgrade and waive.<br> Compensating factors:<br> 4 Years of Experience. Currently holds 2 Properties and has Completed 2 Properties.<br> Representative FICO: 765.<br> [Redact] in reserves. |  |  | 02/19/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| 223055752 | [Redact] | [Redact] |  | 33066798 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final Closing statement is missing in the file. |  |  |  | Reviewer Comment (2025-02-21): Final HUD provided<br>Buyer Comment (2025-02-18): Uploaded final HUD. | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223055752 | [Redact] | [Redact] |  | 33066799 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-02-21): another exception added<br>Buyer Comment (2025-02-18): Page 7 of the appraisal it states, "The property has not been affected by the recent wildfire disasters...." | 02/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223055752 | [Redact] | [Redact] |  | 33066801 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | Reviewer Comment (2025-03-03): PDI provided, exception cleared.<br>Buyer Comment (2025-02-25): Uploaded PDI | 03/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223055756 | [Redact] | [Redact] |  | 33066808 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Missing for the borrowing entity |  |  |  | Reviewer Comment (2025-02-25): SSN provided<br>Buyer Comment (2025-02-20): Per UW, single member LLC may use EIN OR the guarantor's social security number. | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223055758 | [Redact] | [Redact] |  | 33066809 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Per appraisal report, property is tenant occupied. Provide executed lease agreement. |  |  |  | Reviewer Comment (2025-02-25): No leases required<br>Buyer Comment (2025-02-25): Please provide status<br>Buyer Comment (2025-02-20): Per LOE in file on page 70, all apartments located at subject property address have no lease due to them being on a month to month basis. Please clear. | 02/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223055760 | [Redact] | [Redact] |  | 33066812 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. Please provide updated coverage or final title with evidence of sufficient coverage. |  |  |  | Reviewer Comment (2025-03-03): Updated title commitment report provided, exception cleared.<br>Buyer Comment (2025-02-27): upld updated Final Report thank you :) | 03/03/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| 223055795 | [Redact] | [Redact] |  | 33066842 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of [Redact] is less than Cash required From Borrower for closing of [Redact], the file is missing assets. |  |  |  | Reviewer Comment (2025-03-04): HUD-1 provided showing evidence of reserves from the refinance of another REO, meets guidelines, exception cleared.<br>Buyer Comment (2025-02-27): Closing fund of [Redact] came from cash back from another closing transaction with the same title company. See uploaded Final Settlement Statement. | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223055796 | [Redact] | [Redact] |  | 33066844 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD, closing statements are missing in file. |  |  |  | Reviewer Comment (2025-03-05): Final HUD provided<br>Buyer Comment (2025-03-05): Uploaded signed final HUD.<br>Reviewer Comment (2025-03-05): The HUD 1 statement is missing signature page.<br>Buyer Comment (2025-02-28): Uploaded final HUD. | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223055796 | [Redact] | [Redact] |  | 33066845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is missing in file. |  |  |  | Reviewer Comment (2025-03-05): Credit application provided, exception cleared.<br>Buyer Comment (2025-02-28): Uploaded commercial loan app. | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223055805 | [Redact] | [Redact] |  | 33066852 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to "Exception-Condo Studio (no bedroom), but not a Condotel. Meets min sq ft [Redact]." | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Guidelines Representative FICO: 680<br> Representative FICO: 806<br>Borrower has owned the subject property for at least 5 years. | Originator,[Redact]<br>Originator,[Redact] | Reviewer Comment (2025-02-27): Client elects to down grade and waive using compensating factors: <br> Borrower has owned the subject property for at least 5 years.<br> Guidelines Representative FICO: 680<br> Representative FICO: 806 |  |  | 02/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223055805 | [Redact] | [Redact] |  | 33066853 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present. |  |  |  | Reviewer Comment (2025-03-05): Updated mortgage provided<br>Buyer Comment (2025-03-03): Uploaded security instrument with Notary Date. | 03/05/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223055810 | [Redact] | [Redact] |  | 33066861 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the Fraud that includes OFAC Report for [Redact]. |  |  |  | Reviewer Comment (2025-03-05): OFAC provided<br>Buyer Comment (2025-03-04): Updated Fraud Report has been uploaded. | 03/05/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223055814 | [Redact] | [Redact] |  | 33066865 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing for the borrowing entity, [Redact]. |  |  |  | Reviewer Comment (2025-03-14): OFAC is dated [Redact] post closed, Note date is [Redact], exception cleared.<br>Reviewer Comment (2025-03-12): OFAC dated [Redact] provided is post closing date of [Redact]<br>Buyer Comment (2025-03-07): Uploaded OFAC. | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223055818 | [Redact] | [Redact] |  | 33066870 |  | Credit | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The Note and Security Instrument are missing. |  |  |  | Reviewer Comment (2025-03-05): Exception cleared<br>Buyer Comment (2025-03-05): sorry please see attached for NOTE and DEED thank you :) | 03/05/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223055822 | [Redact] | [Redact] |  | 33066875 |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has ___ Open Tradelines which is less than the minimum required by guidelines. | Require at least two open tradeline within the last 12 months allowed per guidelines, co-borrower has 1 active only for [Redact]. |  |  |  | Reviewer Comment (2025-03-14): Not applicable, borrower has 3 credit scores and meets trade line guideline, exception cleared.<br>Buyer Comment (2025-03-13): see previous comment, check page 2 for tradeline requirements<br>Buyer Comment (2025-03-13): Per matrix tradelines for Noni, on page 2, If borrower/guarantor has three(3) credit scores, the minimum tradeline requirement is waived. Both borrower have all three credit scores, report included in original upload. Please clear. | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| 223076459 | [Redact] | [Redact] |  | 33088923 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter stating funds withdrawal from business [Redact] bank account#[Redact] and [Redact]1 will not negatively impact the business. Subject entity was just established prior to closing with no assets documented to date. Using other entity funds for cash to close this transaction. |  |  |  | Reviewer Comment (2025-03-04): Received CPA letter Confirming no Negative impact of using Business funds from [Redact]. Exception Cleared<br>Buyer Comment (2025-03-03): CPA letter | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223076459 | [Redact] | [Redact] |  | 33088926 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-02-04): Acknowledged as non-material. |  |  | 02/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223076459 | [Redact] | [Redact] |  | 33088927 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-02-04): Acknowledged as non-material. |  |  | 02/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223076459 | [Redact] | [Redact] |  | 33088928 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2025-02-06): Received Original Appraisal. Exception Cleared<br>Buyer Comment (2025-02-05): Original report | 02/06/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223076460 | [Redact] | [Redact] |  | 33088930 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation provided used [Redact] PITI and the actual PITI is [Redact]. Need updated DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (2025-02-19): Corrected DSCR calculation worksheet received. Exception cleared<br>Buyer Comment (2025-02-19): 1008 | 02/19/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223076460 | [Redact] | [Redact] |  | 33088931 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower has a credit freeze in place for Equifax. Please provide a credit report for borrower [Redact] (within 90 days prior to Note Date - [Redact]) that reflects the consumer requested security freeze has been removed for Equifax. A new report must be obtained to reflect current updated information for evaluation per DSCR Program v6 guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 92 vs 3 | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-04): Investor accepts and waives with compensating factors.<br>Buyer Comment (2025-03-02): Exception from [Redact]<br>Reviewer Comment (2025-02-20): Credit report provided is dated post closing. Report must have been pulled prior to the Note date.<br>Buyer Comment (2025-02-19): Credit Report |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223076461 | [Redact] | [Redact] |  | 33088933 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing in file. |  |  |  | Reviewer Comment (2025-02-20): Received Flood Cert Exception cleared<br>Buyer Comment (2025-02-20): Flood Cert | 02/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223076461 | [Redact] | [Redact] |  | 33088934 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Required rent loss insurance covering a minimum of 6 months for the subject property. |  |  |  | Reviewer Comment (2025-02-27): Received Updated DSCR calculation and 1003. Exception Cleared<br>Buyer Comment (2025-02-27): 1003<br>Buyer Comment (2025-02-27): 1008 with DSCR calculation<br>Reviewer Comment (2025-02-26): Received updated CD, still require updated 1003 and DSCR calculation with change in HOI amount. Exception Remains<br>Buyer Comment (2025-02-25): Final CD<br>Reviewer Comment (2025-02-24): Noted. Received HOI for [Redact] - [Redact] with the change in annual premium. Updated Final 1003, PCCD and updated DSCR calculation worksheet is required that reflects the correct monthly HOI amount. Exception remains<br>Buyer Comment (2025-02-21): HOI | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223076461 | [Redact] | [Redact] |  | 33088935 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR calculation worksheet is missing in file, 1008 reflects DSCR calculation which is incorrect. |  |  |  | Reviewer Comment (2025-02-20): Received updated 1008 with correct PITIA. 1st unit Rent amount considered [Redact] as previous lease with rent amount of [Redact] was terminated on [Redact] and new lease started from [Redact]. Exception Cleared<br>Buyer Comment (2025-02-20): 1008<br>Buyer Comment (2025-02-20): Calculation | 02/20/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223076461 | [Redact] | [Redact] |  | 33088936 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of 2 months rent deposits for the [Redact] lease. Copies of various checks noted but no deposits present. |  |  |  | Reviewer Comment (2025-03-04): Received 2 Months bank statement. [Redact] noted Deposit of [Redact] is [Redact] Rent + Jan pro rated Rent + Security deposit as new lease start from [Redact]. Exception Cleared<br>Buyer Comment (2025-03-03): Statement<br>Buyer Comment (2025-03-03): Bank statement<br>Buyer Comment (2025-03-03): LOX | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223076462 | [Redact] | [Redact] |  | 33088938 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require For refinances, a current lease must be supported with two most recent bank statements showing consecutive rental payments. |  |  |  | Reviewer Comment (2025-03-10): Bk statement provided. Cleared.<br>Buyer Comment (2025-03-10): Lease reflects through [Redact], closed [Redact]. lease was effective at time of closing<br>Buyer Comment (2025-03-07): Per Lender: Need to push back on the lease condition. The guideline clearly states an unexpired lease at closing. We closed on [Redact]. The guideline does not require an update if expiring in next XXXX days. I am attaching bank statements confirming 2 months receipt of rents.<br>Buyer Comment (2025-03-07): [Redact] Statement | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223078902 | [Redact] | [Redact] |  | 33089260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is testing as Higher Priced QM (APOR). This may be re-designated upon request. |  |  |  | Reviewer Comment (2025-02-06): Client request to re-designate to HPQM.<br>Buyer Comment (2025-02-06): Please re-designate to HPQM | 02/06/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223078902 | [Redact] | [Redact] |  | 33089261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | The Qualification Method used by the lender does not match the QM payment calculation method. |  |  |  | Reviewer Comment (2025-02-10): Updated qualification method. | 02/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223078902 | [Redact] | [Redact] |  | 33089265 |  | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. |  | DTI per lender 34.71% while reviewed DTI 33.02% due to the Note Rate of [Redact] and Qualifying rate of [Redact] for P&I. |  |  |  | Reviewer Comment (2025-02-10): Informational only. Cleared. | 02/10/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223078902 | [Redact] | [Redact] |  | 33089266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client request to re-designate to HPQM. This is an informational EV2 after re-designation and may now be waived. |  |  |  | Buyer Comment (2025-02-06): Acknowledged non material |  |  | 02/06/2025 | 2 A B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223078902 | [Redact] | [Redact] |  | 33089267 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing acknowledgement date of the notary on the Security Instrument. |  |  |  | Reviewer Comment (2025-02-28): Received Notary acknowledgement date of [Redact]. Exception Cleared<br>Buyer Comment (2025-02-27): Mortgage with notary | 02/28/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223078903 | [Redact] | [Redact] |  | 33089268 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Report date as per appraisal report is [Redact] which is within 3 days of the note date [Redact]. |  |  |  | Reviewer Comment (2025-02-17): Original appraisal report received. exception cleared.<br>Buyer Comment (2025-02-14): Original appraisal report<br>Reviewer Comment (2025-02-12): Received Appraisal Delivery Evidence confirm report delivered on [Redact] which is prior to report date of [Redact]. require original appraisal report. Exception Remains<br>Buyer Comment (2025-02-11): Appraisal delivery. | 02/17/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D B A C |  | N/A | No |
| 223078903 | [Redact] | [Redact] |  | 33089269 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business Income is used for qualification from [Redact] and [Redact] however Asset are also used from the same business. The Seller must complete a cash-flow analysis supported by two years of personal and business federal tax returns and a year-to-date P&L statement and balance sheet to show there will be no detrimental effect on the business; or<br> • The Seller must obtain a signed letter from a CPA/Licensed Tax Preparer verifying the following:<br> - The amount of business assets that can be used must correspond to the borrower's percentage of<br> ownership in the business.<br> - The funds are not an advancement of future earnings, cash distribution or a loan.<br> - Withdrawal of the funds will not negatively impact the business.<br> - A cash-flow analysis (Fannie Mae Form 1084 or similar form). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | 805 vs 700 | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-04): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-03-04): Exception from [Redact].<br>Reviewer Comment (2025-02-28): Guides require a CPA letter only regarding impact. Borrower LOX in file indicates CPA will not provide impact letter.<br>Reviewer Comment (2025-02-13): An exception would need to be provided for the missing CPA/licensed tax preparer verification.<br>Buyer Comment (2025-02-11): Income calc<br>Buyer Comment (2025-02-11): LOX |  |  | 03/04/2025 | 2 C B |  | [Redact] | Investment | Purchase | D B A C |  | N/A | No |
| 223078903 | [Redact] | [Redact] |  | 33089272 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | HOA as per appraisal report for subject property "[Redact]" is [Redact] however lender considered [Redact], supporting document to verify the amount is missing in file. |  |  |  | Reviewer Comment (2025-02-12): Received HOA verification to support [Redact]/monthly payment. Exception Cleared<br>Buyer Comment (2025-02-11): HOA | 02/12/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D B A C |  | N/A | No |
| 223078903 | [Redact] | [Redact] |  | 33089273 |  | Property | Valuation | Valuation Issue | Valuation | [Redact] program guidelines require a CDA (Desk Review) |  | CDA required when 2 appraisals not present. |  |  |  | Reviewer Comment (2025-02-17): CDA is provided in file for subject property. Exception cleared<br>Buyer Comment (2025-02-15): CDA | 02/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A C |  | N/A | No |
| 223078905 | [Redact] | [Redact] |  | 33089292 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Expense Ratio used by Lender is 0% but the minimum is 10% per guidelines. Missing third Party Prepared Business Expense Statement Letter. |  |  |  | Reviewer Comment (2025-03-05): No expense ratio is required on personal statements.<br>Buyer Comment (2025-03-03): Per Lender: The borrower used personal bank statements for this product instead of business bank statements. No expense factor for personal bank statements required.<br>Reviewer Comment (2025-02-28): Received same Income worksheet without expense ratio but the minimum is 10% per guidelines. Missing third Party Prepared Business Expense Statement Letter. Exception Remains<br>Buyer Comment (2025-02-27): 1084 | 03/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223078907 | [Redact] | [Redact] |  | 33089302 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Verification Fee disclosed as [Redact] on Initial LE and [Redact] on Final CD. Cure provided was [Redact] when [Redact] was required. |  |  |  | Reviewer Comment (2025-03-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-03-04): Please re-review - sufficient cure was provided at close. The actual amount was rounded by 20 cents on the LE, lender appropriately cured based off of the actual amount. | 03/05/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223078907 | [Redact] | [Redact] |  | 33089303 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the CDA was provided to the borrower three (3) business days prior to consummation. (SECONDARY) |  |  |  | Reviewer Comment (2025-03-05): Received secondary appraisal delivery. Exception Cleared<br>Buyer Comment (2025-03-04): CDA delivery | 03/05/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223078907 | [Redact] | [Redact] |  | 33089304 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-05): Sufficient Cure Provided At Closing |  | 03/05/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223095633 | [Redact] | [Redact] | [Redact] | 33098071 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-11): Waived on Rate Lock: Collateral cleared by Custodian | 04/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223095633 | [Redact] | [Redact] | [Redact] | 33181156 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender waived escrows at 80.00% LTV. Client exception approval in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | DTI 36 where 50 is maximum<br>FICO: 722 where 680 is minimum (42 points)<br>Post close assets: [Redact] 29 months where 3 months is required. (9X) | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-04-03): Client elected to waive the condition with the following Compensating Factors:<br> DTI 36 where 50 is maximum<br> Post close assets: [Redact] 29 months where 3 months is required. (9X)<br> FICO: 722 where 680 is minimum (42 points) |  |  | 04/03/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| 223134325 | [Redact] | [Redact] |  | 33135219 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Borrower qualified with 12 months bank statement income, transcripts not required. [Redact] |  |  |  | Reviewer Comment (2025-03-07): Transcript is not require for bank statement income. Exception Cleared<br>Buyer Comment (2025-03-06): Per guidelines for bank statement loans : Loans submitted with tax returns or tax transcripts are ineligible. | 03/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223134325 | [Redact] | [Redact] |  | 33135222 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require proof of Free and Clear Property and Insurance verification if available for property [Redact] |  |  |  | Reviewer Comment (2025-03-14): Received Borrower LOX confirm no Insurance on the property. Exception Cleared<br>Buyer Comment (2025-03-13): LOX<br>Reviewer Comment (2025-03-11): Received proof of free and clear still missing Insurance verification. Free and clear property does not confirm no insurance on the property. No LOX from borrower available confirm the same. Exception Remains<br>Buyer Comment (2025-03-10): Satisfaction | 03/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223134325 | [Redact] | [Redact] |  | 33135223 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Require Hazard Insurance Policy Document for Subject property - [Redact] |  |  |  | Reviewer Comment (2025-03-10): Received HOI. cleared.<br>Buyer Comment (2025-03-10): HOI | 03/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223134325 | [Redact] | [Redact] |  | 33135224 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require UW worksheet for Income. Qualified using 12 months Bank Statements. |  |  |  | Reviewer Comment (2025-03-14): Income worksheet received . Exception cleared<br>Buyer Comment (2025-03-14): 1003, 1008 , and income wk sh all list income as [Redact]<br>Reviewer Comment (2025-03-11): Provide updated Income worksheet with Income matched with Final 1003/1008 as provided Income worksheet noted Old statement. Exception Remains<br>Buyer Comment (2025-03-10): Worksheet | 03/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| 223134326 | [Redact] | [Redact] |  | 33135227 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require supporting document for [Redact] for REO "[Redact]". 1003 application states [Redact] vs HOA verified [Redact]. |  |  |  | Reviewer Comment (2025-03-12): Received clarification LOX about other payment. Exception cleared<br>Buyer Comment (2025-03-12): LOX | 03/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223134331 | [Redact] | [Redact] |  | 33135246 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | As per guide,Two most recent bank statements showing consecutive rental payments is required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | [Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-19): Investor exception provided.<br>Buyer Comment (2025-02-19): Exception from [Redact], please see attached.<br>Reviewer Comment (2025-02-05): Noted [Redact] and [Redact] rent deposit however as per guide required most recent rent deposit so [Redact] deposit must be verified please provide [Redact] statement. exception remains.<br>Buyer Comment (2025-02-04): Per lender : Proof of [Redact] and [Redact] rent received. [Redact]: Line item #6 from [Redact] = [Redact]. [Redact]: Line item #2 (SMALL BUSINESS CHECKING) = [Redact]. Market rents, which were lower ([Redact]), were conservatively utilized to calculate DSCR. Please let us know if anything else is required.<br>Buyer Comment (2025-02-04): BS 1 |  |  | 02/19/2025 | 2 C B D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135247 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. |  |  |  | Buyer Comment (2025-01-30): Acknowledged as non-material based on Lender LOE.<br>Buyer Comment (2025-01-30): LOE |  |  | 01/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135248 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Received Proforma Title policy. however as per guide, Title Preliminary or commitment is required with coverage up to loan amount. |  |  |  | Reviewer Comment (2025-01-31): Received Title commitment report covering the loan amount. Exception Cleared | 01/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135249 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Title commitment missing |  |  |  | Reviewer Comment (2025-01-31): Received Title commitment report covering the loan amount. Exception Cleared<br>Buyer Comment (2025-01-30): Title proposed insured exceeds Note | 01/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135251 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-01-17): Business income can be considered rent loss. Cleared.<br>Buyer Comment (2025-01-15): HOI Policy<br>Buyer Comment (2025-01-15): Housing history<br>Buyer Comment (2025-01-15): Rent Loss Insurance | 01/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135252 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower current address is [Redact]-missing 12 months housing history | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | [Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-02-19): Investor exception provided.<br>Buyer Comment (2025-02-19): Exception from [Redact] uploaded.<br>Reviewer Comment (2025-02-05): An exception is required. The guidelines require a 12 month housing history.<br>Buyer Comment (2025-02-05): Per lender: We do not have the 12-month pay history for [Redact], which is currently mortgaged by the guarantor as their primary residence. The latest [Redact] mortgage payment statement is attached and is from [Redact]. The statement indicates [Redact] of total payments had been made up to [Redact]. Backing our way into the total number of payments made: [Redact] / [Redact] monthly pmt = [Redact]. It is our belief, based on this data and the fact that there are no late charges or accrual of default interest, that the borrower had perfect pay history for 2024 on [Redact]. The property is not F&C. The property has been mortgaged since 2015 per the attached LO<br>Reviewer Comment (2025-01-24): Disregarded as per Lender comment<br>Buyer Comment (2025-01-23): Disregard this is not [Redact] guides<br>Buyer Comment (2025-01-23): Per lender : [Redact] UW GLs do not require mortgage history on a primary residence. Please confirm what precisely TPR is looking for. Thanks.<br>Reviewer Comment (2025-01-16): Provided LOX does not confirm Housing history or whether property is Free and clear. back ground verification shows borrower has mortgage of [Redact] on [Redact] require verification of 12 months. Exception Remains<br>Buyer Comment (2025-01-15): LOE<br>Reviewer Comment (2025-01-14): Page 18 of 37 Section Mortgage/Rental History of Guideline Debt Service Coverage Ratio (DSCR) Program Guide V6. Exception Remains<br>Buyer Comment (2025-01-13): Please reference section and page number for this guideline. |  |  | 02/19/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134331 | [Redact] | [Redact] |  | 33135253 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing DSCR Calculation Worksheet |  |  |  | Reviewer Comment (2025-01-27): Received DSCR Calculation Worksheet. Exception Cleared<br>Buyer Comment (2025-01-24): DSCR<br>Reviewer Comment (2025-01-21): As per [Redact] DSCR V6 Guideline DSCR calculation worksheet is require (page 20 of 37). 1008 with Calculation also acceptable Exception Remains<br>Buyer Comment (2025-01-17): Per Lender: DSCR calculation WSs are not a standard, required UW doc per [Redact] GLs. DSCR calc for this loan = [Redact] market rent per mo / [[Redact] interest + [Redact] taxes + [Redact] insurance +[Redact] HOA fees] = [Redact]/ [Redact] = 0.8777 or 0.88. Let us know if you need anything further. Thanks. | 01/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134332 | [Redact] | [Redact] |  | 33135256 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1008 reflects incorrect DCSR ratio calculation due to incorrect PITIA amount. Corrected DSCR Calculation worksheet is required. |  |  |  | Reviewer Comment (2025-01-24): Received 1008 with correct DSCR. Exception cleared.<br>Buyer Comment (2025-01-23): Revised 1008 | 01/24/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 223134332 | [Redact] | [Redact] |  | 33135257 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | As per guide, copies of the most recent two (2) months bank statements including all pages. However 1 month statement is missing for the following account: [Redact] xxx[Redact] / xxx[Redact], [Redact] xxx[Redact], [Redact] xxx[Redact] / xxx[Redact] |  |  |  | Reviewer Comment (2025-03-17): Statements provided. Reserves have been met.<br>Buyer Comment (2025-03-17): [Redact]-[Redact] statement for Acct [Redact] & [Redact]<br>Reviewer Comment (2025-02-19): We have 0.98 months reserves. We need accounts [Redact] and [Redact] to meet the 3 month requirement. Provide an additional statement. The statement already provided is from [Redact] - [Redact].<br>Reviewer Comment (2025-02-18): Received [Redact] months statement for account # [Redact]. [Redact]xxx[Redact] / xxx[Redact] these account not used for qualification. Exception cleared<br>Buyer Comment (2025-02-18): Per Lender : [Redact] Stmt<br>Reviewer Comment (2025-01-24): Erroneously cleared.<br>Reviewer Comment (2025-01-24): Noted all bank statement. [Redact]xxxx[Redact] received the same [Redact] month statement which have already provided require [Redact] months to satisfy the requirement; [Redact]xxxx[Redact] and xxxx[Redact] not used so Not required. Exception remains.<br>Buyer Comment (2025-01-23): Per Lender : [Redact] & [Redact] Bank Statements [Redact] [Redact] & [Redact] were not used, not on 1003. see attached bank statements | 03/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| 223134333 | [Redact] | [Redact] |  | 33135265 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2025-03-18): Received Operating agreement for [Redact]. Exception Cleared<br>Buyer Comment (2025-03-17): new operating agreement<br>Reviewer Comment (2025-03-03): Received Operating agreement however Name of Business Shows [Redact] where borrower name is [Redact], Name change Operating agreement amendment is missing<br>Buyer Comment (2025-03-03): operating agreement starts on page 2<br>Reviewer Comment (2025-02-04): Noted A/A. however Operating Agreement not received. exception remains.<br>Buyer Comment (2025-02-04): AOO | 03/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 223134333 | [Redact] | [Redact] |  | 33135266 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-02-04): Appraisal Acknowledgement signed at closing received. Exception Cleared<br>Buyer Comment (2025-02-03): Ack of receipt. | 02/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 223134333 | [Redact] | [Redact] |  | 33135267 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Lender DSCR calculation provided used an incorrect PITI. Need DSCR worksheet reflecting the actual PITI used to qualify. |  |  |  | Reviewer Comment (2025-03-03): Received DSCR Calculation Worksheet. Exception Cleared<br>Buyer Comment (2025-03-03): updated 1008 with DSCR calculations | 03/03/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 223134333 | [Redact] | [Redact] |  | 33135268 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Insufficient assets due to not using business assets...Pending a letter from the accountant of the business or an underwriter cash flow analysis and the business balance sheet to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-02-27): Received CPA letter. exception cleared.<br>Buyer Comment (2025-02-27): CPA Letter<br>Reviewer Comment (2025-02-25): Noted cash flow analysis of business however this is DSCR loan we require a letter from the accountant of the business that confirm that the withdrawal will not negatively impact the business. exception remains.<br>Buyer Comment (2025-02-25): Assets used effect | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 223134333 | [Redact] | [Redact] |  | 33135269 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets due to not using business assets...Pending a letter from the accountant of the business or an underwriter cash flow analysis and the business balance sheet to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-02-27): Received CPA letter. exception cleared. | 02/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B |  | N/A | No |
| 223134335 | [Redact] | [Redact] |  | 33135278 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate is missing. |  |  |  | Reviewer Comment (2025-02-14): Received Tax cert. Exception Cleared<br>Buyer Comment (2025-02-13): tax cert and bills | 02/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223134335 | [Redact] | [Redact] |  | 33135279 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months required and HOI does not state any rent loss | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | [Redact] | Reviewer Comment (2025-03-14): Investor exception provided.<br>Buyer Comment (2025-03-12): Exception from [Redact]<br>Reviewer Comment (2025-03-03): Updated HOI policy received rent loss however Premium amount change to [Redact] from [Redact], updated CD and Final 1003 require also effective date [Redact] showing after note date of [Redact]. Exception Remains<br>Buyer Comment (2025-02-28): Rent loss Insurance |  |  | 03/14/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223134335 | [Redact] | [Redact] |  | 33135280 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Missing Lease agreement and 2 months bank statements for subject property |  |  |  | Reviewer Comment (2025-02-14): Received lease with 2 months bank statement with rental deposit. Exception Cleared<br>Buyer Comment (2025-02-13): lease and statements | 02/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223134338 | [Redact] | [Redact] |  | 33135291 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing in file. |  |  |  | Reviewer Comment (2025-03-11): Received 1008 with DSCR Calculation. Exception Cleared<br>Buyer Comment (2025-03-10): Please see the attached updated 1008. The DSCR Calculation is updated in UW comment. | 03/11/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223134338 | [Redact] | [Redact] |  | 33135292 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal report dated [Redact] reflects Tenant occupied at the time of inspection. Lease agreement in file is commencing from [Redact]. as per guide, a current lease must be supported with two most recent bank statements showing consecutive rental payments is missing in file. |  |  |  | Reviewer Comment (2025-03-12): Lease provided is dated [Redact] before closing. Lease amount and the market rent are both [Redact]. Cleared.<br>Buyer Comment (2025-03-10): per lender: The lease agreement for this property commenced on [Redact], after the loan closing date of [Redact]. As a result, rental payments were not applicable at the time of underwriting. A newly executed lease can be supported by a Single-Family Comparable Rent Schedule (Form 1007) instead of prior rental receipts. The 1007 form in the file confirms the rental amount aligns with the lease agreement. Given these factors, we kindly request reconsideration of this condition. Thank you! | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223134339 | [Redact] | [Redact] |  | 33135294 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception: The [Redact] UW Guidelines Manual required "The borrower must own or rent a primary residence."<br> Comp Factors: 56% LTV, 86-months reserves, 746 FICO, and a long history of owning and managing properties. Up until two-months ago, the borrowers primary residence was [Redact] where they lived for 5-years and are now currently converting to an investment property. Thus, the reason for the current rent free situation. The borrower's own the subject property free & clear per the property data report. The borrower is an Experienced Investor per the 1003 owning several OREO's and owning subject property since 2021. Copy of lease for subject property is on file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 207 vs 3 | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-03-10): Investor approved to waive with compensating factors. |  |  | 03/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223134339 | [Redact] | [Redact] |  | 33135295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (2025-03-14): DSCR calculation worksheet Received. Exception Cleared<br>Buyer Comment (2025-03-13): DSCR | 03/14/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223170604 | [Redact] | [Redact] |  | 33153291 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Per appraisal report, property is tenant occupied. Provide executed lease agreement of all the units. |  |  |  | Reviewer Comment (2025-03-13): Received proof of rent and lease will continue month to month. Exception cleared.<br>Buyer Comment (2025-03-12): per lender : As long as renters have a previous 12 month lease, month to month is allowable and have uploaded rent payments.<br>Reviewer Comment (2025-03-11): Provided lease agreements for all the units which are expired. Provide active lease agreements for all the units. Exception remains.<br>Buyer Comment (2025-03-07): Lease agreements | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170604 | [Redact] | [Redact] |  | 33153293 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-07): Acknowledged as non-material. |  |  | 03/07/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170604 | [Redact] | [Redact] |  | 33153294 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-07): Acknowledged as non-material. |  |  | 03/07/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170604 | [Redact] | [Redact] |  | 33153295 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right to Receive a Copy of Appraisal disclosure is dated [Redact], not within three business days of application. |  |  |  | Buyer Comment (2025-03-07): Acknowledged as non-material. |  |  | 03/07/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170604 | [Redact] | [Redact] |  | 33153296 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit report dated [Redact] over 90 days old from note date [Redact]. Provide updated credit report. |  |  |  | Reviewer Comment (2025-03-13): Per guides Credit reports expire after 120 days and provided credit report is within 120 days of note date. Exception cleared.<br>Buyer Comment (2025-03-12): Credit report good for 120 days for [Redact] guides. Exception requested to be added in error. | 03/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170605 | [Redact] | [Redact] |  | 33153297 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-03-06): Acknowledged as non-material. |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170605 | [Redact] | [Redact] |  | 33153298 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redact] Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. | Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  | Buyer Comment (2025-03-06): Acknowledged as non-material. |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170605 | [Redact] | [Redact] |  | 33153299 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution signed by all members is missing. |  |  |  | Reviewer Comment (2025-03-14): Cleared. Received operating agreement.<br>Buyer Comment (2025-03-12): amended operating agreement<br>Buyer Comment (2025-03-12): Per Lender: guarantor is majority owner and only required signature, unanimous not required since not 50/50. Uploaded the Pledge & Assignment Agreement signed by both Entity members, our loan is only Guaranteed by 1, therefore all remaining docs only require 1 signature<br>Reviewer Comment (2025-03-10): Operating agreement reflects 2 members and 1 member is the guarantor on the subject loan. Unanimous consent signed by all members is missing in the file. Exception remains.<br>Buyer Comment (2025-03-07): Per guidelines page 18 of 18, Only the following are listed for Borrower (entity) : Operating Agreement or Bylaws and Shareholder Agreement ,<br> Articles of Incorporation , Federal EIN Certificate, and Certificate of Good Standing | 03/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170606 | [Redact] | [Redact] |  | 33153301 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redact] Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  | Buyer Comment (2025-03-06): Acknowledged non material |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170606 | [Redact] | [Redact] |  | 33153303 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Cert was not provided. |  |  |  | Reviewer Comment (2025-03-11): Received Tax Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-03-07): Tax cert | 03/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170607 | [Redact] | [Redact] |  | 33153305 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redact] Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  | Buyer Comment (2025-03-03): Acknowledged non material |  |  | 03/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170607 | [Redact] | [Redact] |  | 33153306 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate not found at time of review |  |  |  | Reviewer Comment (2025-03-05): Received Tax Certificate in the file. Exception Cleared.<br>Buyer Comment (2025-03-04): Tax cert | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170609 | [Redact] | [Redact] |  | 33153310 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment | [Redact] SB270: Mortgage loan contains an impermissible prepayment penalty. | Prepayment Penalty exceeds minimum threshold for the [Redact] state. |  |  |  | Buyer Comment (2025-03-04): Acknowledged non material<br>Reviewer Comment (2025-03-04): Alternate prepayment testing methodology used to test [Redact] prepay limitations under [Redact] Comm. Law Code § 12-105. Alternate testing was deemed acceptable by [Redact] outside counsel given the ambiguity in the state law.<br>Buyer Comment (2025-03-03): Please downgrade |  |  | 03/04/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170609 | [Redact] | [Redact] |  | 33153311 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Appraisal and title reflect property as Leasehold which is ineligible, per guidelines. |  |  |  | Reviewer Comment (2025-03-17): "Can we confirm from [Redact] the intent of the title requirements guides. Title says it must be Fee simple, however we have a few loans that reflect Leasehold.<br> Guides contradict each other, section 20.0 says ground leases are acceptable however that means that title is a leasehold and not Fee simple as required per the title requirements."<br>[Redact] response: I can see where the confusion is, and can update our language accordingly to resolve this. <br> Fee simple title is required. However, the only exception to this is in an instance where there is a ground lease, causing it to then be considered a leasehold. In areas where ground leases are common, we can proceed as long as the lease exceeds the mortgage term by at least 5 years, or it is being redeemed at closing.<br>Buyer Comment (2025-03-12): This property had a ground lease, which is allowable by [Redact] and [Redact] guides. In the instances where there is a ground lease in place, the title will show leasehold and not fee simple. | 03/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170610 | [Redact] | [Redact] |  | 33153313 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available for Closing is insufficient to cover Cash From Borrower. as Documented qualifying Assets for Closing of [Redact] is less than Cash From Borrower [Redact]. |  |  |  | Reviewer Comment (2025-03-13): Received bank showing 30 days transaction which suffices cash from borrower requirement. Exception cleared.<br>Buyer Comment (2025-03-11): bank stmt<br>Reviewer Comment (2025-03-07): Provided document was already a part of initial package. Require bank statement to cover cash from borrower. Exception Remains.<br>Buyer Comment (2025-03-06): Bank Statements<br>Buyer Comment (2025-03-06): Per Lender:Borrower had [Redact] in their [Redact] checking x[Redact] and [Redact] in [Redact] checking x[Redact]. They owed [Redact] at closing. Post-close PITIA reserves = [Redact] - [Redact] = [Redact], well in excess of the six (6) months requirements. Thanks. | 03/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223170610 | [Redact] | [Redact] |  | 33153314 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification final Appraisal report was delivered to borrower at least 3 business days prior to closing was not provided. |  |  |  | Buyer Comment (2025-03-03): Acknowledged as non-material due to buyer request. |  |  | 03/03/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| 223170612 | [Redact] | [Redact] |  | 33153322 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-03-04): Acknowledged non material |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170612 | [Redact] | [Redact] |  | 33153323 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-03-04): Acknowledged non material |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170614 | [Redact] | [Redact] |  | 33153328 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Business funds were provided as assets and the guidelines are silent. Excluded all business assets causing the cash to close to be insufficient. |  |  |  | Reviewer Comment (2025-03-06): Received HUD from a simultaneous cash out refinance. Exception cleared.<br>Buyer Comment (2025-03-05): Bank statements<br>Buyer Comment (2025-03-05): hud1 #2<br>Buyer Comment (2025-03-05): HUD 1 | 03/06/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223170614 | [Redact] | [Redact] |  | 33153329 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Business funds were provided as assets and the guidelines are silent. Excluded all business assets causing the reserve requirement to be short. |  |  |  | Reviewer Comment (2025-03-06): Received HUD from a simultaneous cash out refinance. Exception cleared. | 03/06/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223170615 | [Redact] | [Redact] |  | 33153331 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-03-03): Acknowledged as non-material due to buyer request. |  |  | 03/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170615 | [Redact] | [Redact] |  | 33153333 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Cert to verify monthly tax expenses used to qualify. |  |  |  | Reviewer Comment (2025-03-07): Cleared. Received tax documentation to verify calculation of property tax.<br>Buyer Comment (2025-03-05): Lender's comment: Assessment rate on residential properties in [Redact] = 25%. We must take the appraised value ([Redact]) and multiply by that figure. However, this property was listed at [Redact] at one point, so our UW took the more conservative approach and calculated 2025 taxes based on the higher list price ([Redact]). Then, we multiply by the applicable combined tax rate for [Redact] and the [Redact]. Per the [Redact] Tax Rates, that's [Redact]. [Redact] x 0.25 = [Redact] assessed value. Annual taxes = [Redact] x [Redact] = [Redact]/yr, or [Redact]/mo.<br>Buyer Comment (2025-03-05): Lender's comment: Assessment rate on residential properties in [Redact] = 25%. We must take the appraised value ([Redact]) and multiply by that figure. However, this property was listed at [Redact] at one point, so our UW took the more conservative approach and calculated 2025 taxes based on the higher list price ([Redact]). Then, we multiply by the applicable combined tax rate for [Redact] and the [Redact]. Per the Sevier County Tax Rates, that's [Redact]. [Redact] x 0.25 = [Redact]0 assessed value. Annual taxes =[Redact] x [Redact] = [Redact]/yr, or [Redact]/mo. | 03/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170617 | [Redact] | [Redact] |  | 33153338 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right To Receive Appraisal Disclosure with in 3days missing in the file |  |  |  | Buyer Comment (2025-02-28): Acknowledged non material |  |  | 02/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170617 | [Redact] | [Redact] |  | 33153339 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for the Borrower [Redact] is missing in the file. |  |  |  | Reviewer Comment (2025-03-06): Received Background Check in the file. Exception Cleared.<br>Buyer Comment (2025-03-05): Background check for [Redact]<br>Reviewer Comment (2025-03-04): Background check is available for [Redact] under Doc ID D0080. Fraud report/Background check for the Borrower [Redact] is missing in the file. Exception remains.<br>Buyer Comment (2025-03-03): background check in file D0080 page 82<br>Buyer Comment (2025-03-03): Ofac search | 03/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170617 | [Redact] | [Redact] |  | 33153341 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide documentation showing how the taxes were calculated. Subject is new construction. |  |  |  | Reviewer Comment (2025-03-05): Provided tax certificate from [Redact]. Updated Title screen. Exception cleared.<br>Buyer Comment (2025-03-03): Tax cert | 03/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223170634 | [Redact] | [Redact] |  | 33153403 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-03-06): Acknowledged as non-material. |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170635 | [Redact] | [Redact] |  | 33153404 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-03-06): Acknowledged as non-material. |  |  | 03/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170635 | [Redact] | [Redact] |  | 33153406 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC for the borrowing business entity. |  |  |  | Reviewer Comment (2025-03-10): Received clear OFAC search for borrowing business entity. Exception cleared.<br>Buyer Comment (2025-03-07): Uploaded OFAC search results for Borrowing Entity for review | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170636 | [Redact] | [Redact] |  | 33153408 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Business funds were provided however not allowed to qualify causing the cash to close to be insufficient. |  |  |  | Reviewer Comment (2025-03-04): After considering the asset with 100% usability. Reserve requirement met. Exception Cleared.<br>Buyer Comment (2025-03-03): Final Settlement Statement<br>Buyer Comment (2025-03-03): Lender's rebuttal: The [Redact] report on file from [Redact] shows [Redact] in available liquidity through an account owned by [Redact]. That's our borrower, so he can utilize those funds as qualifying liquidity/reserves. Per final settlement statement, borrower owed [Redact] at closing. Netting that amount: [Redact] - [Redact] = [Redact]. Post-close reserves: [Redact] / [Redact] = 6.58 months of ITIA reserves (interest-only loan). | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223170636 | [Redact] | [Redact] |  | 33153409 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Business funds were provided however not allowed to qualify causing the causing the reserves to be insufficient. |  |  |  | Reviewer Comment (2025-03-04): After considering the asset with 100% usability. Reserve requirement met.Exception Cleared.<br>Buyer Comment (2025-03-03): Final Settlement Statement<br>Buyer Comment (2025-03-03): Lender's rebuttal: The [Redact] report on file from [Redact] shows [Redact] in available liquidity through an account owned by [Redact]. That's our borrower, so he can utilize those funds as qualifying liquidity/reserves. Per final settlement statement, borrower owed [Redact] at closing. Netting that amount: [Redact] - [Redact] = [Redact]. Post-close reserves: [Redact] / [Redact] = 6.58 months of ITIA reserves (interest-only loan). | 03/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223170639 | [Redact] | [Redact] |  | 33153416 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-03-05): Acknowledged non material |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170639 | [Redact] | [Redact] |  | 33153417 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-03-05): Acknowledged non material |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170640 | [Redact] | [Redact] |  | 33153422 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-03-04): Acknowledged non material |  |  | 03/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170647 | [Redact] | [Redact] |  | 33153448 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-03-05): Acknowledged non material |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170648 | [Redact] | [Redact] |  | 33153449 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-03-05): Acknowledged non material |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 223170648 | [Redact] | [Redact] |  | 33153450 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Cerificate indicates the borrower intends to occupy the subject property. |  |  |  |  | Reviewer Comment (2025-03-05): Located in the file. | 03/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 223170648 | [Redact] | [Redact] |  | 33153451 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The borrowing entity was formed in [Redact] however the subject property is located in [Redact]. The Certificate of Foreign Qualification to verify that the business is registered to do business in [Redact] is missing. |  |  |  | Reviewer Comment (2025-03-10): Received Certificate of foreign qualification. Exception Cleared.<br>Buyer Comment (2025-03-07): [Redact] Registration | 03/10/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 223170649 | [Redact] | [Redact] |  | 33153452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-03-05): Acknowledged as non-material. |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223170653 | [Redact] | [Redact] |  | 33153466 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Buyer Comment (2025-03-05): Acknowledged non material |  |  | 03/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223170653 | [Redact] | [Redact] |  | 33153467 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure is missing in the file. |  |  |  | Reviewer Comment (2025-03-10): Patriot Act Disclosure and Driver License associated. Exception Cleared.<br>Buyer Comment (2025-03-07): patriot act disclosure | 03/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223182722 | [Redact] | [Redact] | [Redact] | 33177837 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-18): (Rate Lock) [Redact] | 04/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| 223186091 | [Redact] | [Redact] |  | 33183578 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or Income worksheet for Co-Borrower [Redact] |  |  |  | Reviewer Comment (2025-03-14): Received Income calculation worksheet for Co-Borrower [Redact]. Exception Cleared<br>Buyer Comment (2025-03-13): 1084 | 03/14/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223186091 | [Redact] | [Redact] |  | 33183580 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide Source of EMD [Redact] dated [Redact],[Redact] dated [Redact] and [Redact] dated [Redact] as only Check/Wire copy was provided. |  |  |  | Reviewer Comment (2025-03-17): Received Bank Statement verifying withdrawal of EMD deposits. exception cleared.<br>Buyer Comment (2025-03-14): bank statements | 03/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223186091 | [Redact] | [Redact] |  | 33183581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects HOA dues are [Redact] per month but the Final 1003 reflects [Redact]. Missing HOA Document to confirm actual HOA expenses required. |  |  |  | Reviewer Comment (2025-03-17): Received HOA statement verifying the [Redact] quarterly HOA dues which equals to [Redact] / months matches with final 1003 and Closing Disclosure. exception cleared.<br>Buyer Comment (2025-03-14): HOA | 03/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223223952 | [Redact] | [Redact] |  | 33229874 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-03-28): Income Calculation worksheet received. Exception Cleared<br>Buyer Comment (2025-03-27): Income worksheet | 03/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A | N/A | N/A | No |
| 223363771 | [Redact] | [Redact] |  | 33419960 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification & Tax Verification document is missing in file for REO properties [Redact] & [Redact]. |  |  |  | Reviewer Comment (2025-04-04): Received mortgage statement for [Redact]. noted Payment is escrowed however being conservative Tax amount included in DTI per lender comment insurance Impounded for REO [Redact], Tax cert received not Vacant land insurance not require on vacant land. variance is less than 2% updated 1003/1008/AUS not require due to variance in REO Expenses. Exception Cleared<br>Buyer Comment (2025-04-04): Statement<br>Buyer Comment (2025-04-04): Tax Bill Mortgage Statement - HOI impounded<br>Buyer Comment (2025-04-04): Tax Bill No HOI required - this is a bare lot which indicated on the tax bill | 04/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223363771 | [Redact] | [Redact] |  | 33419961 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-14): Received CDA. Exception Cleared<br>Buyer Comment (2025-04-11): CDA<br>Reviewer Comment (2025-04-04): Per Guideline The seller must order a Collateral Desktop Analysis (CDA) from [Redact] or an Appraisal Risk Review (AAR) from [Redact] Valuation for each loan that does not include two appraisals. A copy of the appraisal desk review report should be submitted in the loan file. CU Score not acceptable source to meet requirement Exception Remains<br>Buyer Comment (2025-04-04): UW score 2.5 | 04/14/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223363771 | [Redact] | [Redact] |  | 33419965 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Loan Origination Fee Fee was disclosed as [Redact] on Initial LE and [Redact] on Final CD. Evidence of cure not provided in file. Provide valid COC. |  |  |  | Reviewer Comment (2025-04-02): [Redact] received valid COC dated [Redact]<br>Buyer Comment (2025-04-01): COC | 04/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223363771 | [Redact] | [Redact] |  | 33419966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Cure is required as lender credit decreased on PCCD. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | Reviewer Comment (2025-04-15): [Redact] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-04-11): Cure package for additional [Redact]<br>Reviewer Comment (2025-04-11): [Redact]: Required cure is [Redact], cure provided is [Redact]. Additional cure required is [Redact].<br>Buyer Comment (2025-04-10): Comment states [Redact] - please confirm this was meant to be [Redact] and cure amount is correct at [Redact]<br>Reviewer Comment (2025-04-09): [Redact] received cure documents for [Redact], however we require cure of [Redact]. Please provide additional cure of [Redact] with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-04-08): LOE, PCCD refund check and label |  | 04/15/2025 |  | 2 B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223363776 | [Redact] | [Redact] |  | 33419991 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount provided on Escrow Instructions located on doc # 244 |  |  |  | Reviewer Comment (2025-03-21): Received Final Title policy covering the loan amount. Exception Cleared<br>Buyer Comment (2025-03-20): Please find the attached Final title policy.<br>Reviewer Comment (2025-03-17): Policy amount provided on Escrow Instructions | 03/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223367493 | [Redact] | [Redact] |  | 33429064 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | No income used for qualification, Transcript is not required |  |  |  | Reviewer Comment (2025-03-10): No income used for qualification, Transcript is not required. Exception Cleared<br>Buyer Comment (2025-03-08): Please remove exception. Transcripts are not required. | 03/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223367493 | [Redact] | [Redact] |  | 33429065 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Bank statement income used for qualification, Transcript is not required |  |  |  | Reviewer Comment (2025-03-10): Bank statement income used for qualification, Transcript is not required exception Cleared<br>Buyer Comment (2025-03-08): Please remove exception. Transcripts are not required. | 03/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223367493 | [Redact] | [Redact] |  | 33429068 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redact] - Require Document to verify other payment of [Redact] as Tax verified [Redact] and HOA verified [Redact].LOX confirm No Separate HOI other than HOA covered. |  |  |  | Reviewer Comment (2025-03-18): Received updated 1008. matching correct DTI. exception cleared.<br>Buyer Comment (2025-03-17): 1008<br>Reviewer Comment (2025-03-12): Noted. Received updated 1003 confirming the total Tax and HOA amount as [Redact]. However Updated 1008 is required reflecting the correct DTI ratios after updating the correct amount. Exception Remains.<br>Buyer Comment (2025-03-12): 1003 | 03/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223367493 | [Redact] | [Redact] |  | 33429069 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is required from the borrower to describe the type of business and number of employees. LOX confirm Nature of the business, however number of employee information is missing. |  |  |  | Reviewer Comment (2025-03-18): Received email confirmation for no of employee into borrower business. exception cleared.<br>Buyer Comment (2025-03-17): Email | 03/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223367493 | [Redact] | [Redact] |  | 33429070 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | CPA stated up to [Redact] may used from business with no impact. Review limited those assets to [Redact] causing deficiency. |  |  |  | Reviewer Comment (2025-04-30): CPA letter provided.<br>Buyer Comment (2025-04-30): CPA letter<br>Reviewer Comment (2025-04-22): Received Updated CPA confirm Borrower can withdraw[Redact] from business account, however it does not specified it is additional [Redact] apart from [Redact] mentioned in previous CPA letter. Additionally no Business Account number # mentioned in Letter. Require Proper CPA letter with detailing of total amount Borrower can withdraw for subject closing and reserve. Exception Remains<br>Buyer Comment (2025-04-21): CPA Letter | 04/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 223367493 | [Redact] | [Redact] |  | 33429071 |  | 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. | Waterfall due to insufficient assets. Result of CPA stated up to [Redact] may used from business with no impact. Review limited those assets to [Redact] causing deficiency. |  |  |  | Reviewer Comment (2025-04-30): CPA letter provided.<br>Buyer Comment (2025-04-30): CPA letter uploaded<br>Reviewer Comment (2025-04-22): Received Updated CPA confirm Borrower can withdraw [Redact] from business account, however it does not specified it is additional [Redact] apart from [Redact] mentioned in previous CPA letter. Additionally no Business Account number # mentioned in Letter. Require Proper CPA letter with detailing of total amount Borrower can withdraw for subject closing and reserve. Exception Remains<br>Buyer Comment (2025-04-21): See CPA letter is reserve condition | 04/30/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223367493 | [Redact] | [Redact] |  | 33429072 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient assets. Result of CPA stated up to [Redact] may used from business with no impact. Review limited those assets to [Redact] causing deficiency. |  |  |  | Reviewer Comment (2025-04-30): CPA letter provided.<br>Buyer Comment (2025-04-30): CPA letter uploaded<br>Reviewer Comment (2025-04-22): Received Updated CPA confirm Borrower can withdraw [Redact] from business account, however it does not specified it is additional [Redact] apart from [Redact] mentioned in previous CPA letter. Additionally no Business Account number # mentioned in Letter. Require Proper CPA letter with detailing of total amount Borrower can withdraw for subject closing and reserve. Exception Remains<br>Buyer Comment (2025-04-21): CPA | 04/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

![](situs.jpg)

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|:---|
| **Rating Agency Grades** |
| **Run Date - 6/5/2025 1:47:33 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 218379378 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| 218784081 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 220144896 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 220372664 | [Redact] | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| 220491973 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 220681999 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
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| 220745136 | [Redact] | [Redact] |  |  | C | A | D | D | A | A | A | A |  |
| 220856785 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
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| 220961651 | [Redact] | [Redact] | [Redact] |  | B |  | A | B | B |  | A | B |  |
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| 221263882 | [Redact] | [Redact] |  |  | C | A | D | D | A | A | A | A |  |
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| 222462008 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
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| 222477114 | [Redact] | [Redact] |  |  | C |  | D | D | A |  | A | A |  |
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| 222477922 | [Redact] | [Redact] | [Redact] |  | D |  | A | D | A |  | A | A |  |
| 222504849 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222515349 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222516312 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222524152 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222524153 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| 222525130 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222558632 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222563466 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222573847 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | B | B | A | B |  |
| 222616188 | [Redact] | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| 222621637 | [Redact] | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| 222621968 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222626128 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222627438 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222631250 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222661684 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222703125 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 222710131 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 222713780 | [Redact] | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| 222717710 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| 222718840 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 222726644 | [Redact] | [Redact] |  |  | C D | B | A | C D | A | A | A | A |  |
| 222728698 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222734070 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | A | A | A |  |
| 222734261 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| 222734269 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222734274 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222734277 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222734279 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 222734281 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222735124 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222739128 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222745184 | [Redact] | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| 222748364 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222748823 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222749941 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222750215 | [Redact] | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| 222751357 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 222762012 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222763342 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 222763346 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 222763347 | [Redact] | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| 222764421 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222767330 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222767562 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222767715 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222768222 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222770708 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222774933 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222775899 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222777147 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222778627 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222778785 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222779135 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222779136 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222779184 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | B | A | A | B |  |
| 222779556 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222779560 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222779565 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222782984 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222783110 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222783125 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222783287 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222783733 | [Redact] | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| 222783745 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222783746 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222783747 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222789902 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| 222789933 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| 222790031 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 222790344 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222790429 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222790629 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| 222790660 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| 222790716 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222790798 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222790801 | [Redact] | [Redact] | [Redact] |  | C | B | D | D | B | B | A | B |  |
| 222791707 | [Redact] | [Redact] |  |  | C | B | A | C | B | A | A | B |  |
| 222791708 | [Redact] | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| 222791724 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222791725 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222791866 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222791987 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222796716 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222796882 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 222796884 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222796885 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222801363 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222801530 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| 222801923 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222802479 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222803391 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222804490 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222804824 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222805435 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222807570 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222808372 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| 222835671 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222836405 | [Redact] | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| 222836621 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222836627 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222861292 | [Redact] | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| 222861295 | [Redact] | [Redact] |  |  | A |  | D | D | A |  | A | A |  |
| 222862302 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222862305 | [Redact] | [Redact] | [Redact] |  | C | C | A | C | B | B | A | B |  |
| 222864852 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222864883 | [Redact] | [Redact] | [Redact] |  | C | B C | A | C | B | A | A | B |  |
| 222864988 | [Redact] | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| 222866759 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222872725 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222890060 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 222892078 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222892267 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222892412 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222893741 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222894210 | [Redact] | [Redact] | [Redact] |  | B |  | A | B | B |  | A | B |  |
| 222894319 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222894632 | [Redact] | [Redact] | [Redact] |  | D | B | D | D | A | B | A | B |  |
| 222894822 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222895461 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222895479 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222903628 | [Redact] | [Redact] | [Redact] |  | A |  | D | D | A |  | A | A |  |
| 222904454 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222904664 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222904666 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222904676 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222904684 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222904685 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222904687 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222904688 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222904695 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222905502 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 222906465 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222907503 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222907566 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222916237 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222916958 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 222916969 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222917065 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222917228 | [Redact] | [Redact] | [Redact] |  | C | B | A B | C | A | B | A B | B |  |
| 222922330 | [Redact] | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| 222922331 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 222922582 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222924293 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222927018 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222928305 | [Redact] | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| 222928483 | [Redact] | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| 222929608 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222931864 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222933431 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222934104 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222934105 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222934106 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222934107 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222934108 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222934109 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222952979 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 222954467 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222959643 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222959705 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222960077 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960089 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960090 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222960091 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960092 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222960095 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960102 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960108 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960111 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960112 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222960114 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960119 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960124 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222960128 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960131 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960137 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960139 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960141 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960151 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960160 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960162 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960164 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960166 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960168 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960967 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960974 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222960977 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960979 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960980 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960981 | [Redact] | [Redact] |  |  | D |  | D | D | A |  | A | A |  |
| 222960987 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960992 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960993 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222960994 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961000 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961002 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222961003 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961004 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222961005 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961006 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961007 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961009 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222961010 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 222961011 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222961013 | [Redact] | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| 222961380 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222961566 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222969083 | [Redact] | [Redact] |  |  | C | B | D | D | A | B | A | B |  |
| 222969088 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 222969089 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 222969090 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 222969093 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 222971372 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 222972155 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| 222973544 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 222974143 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222974146 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| 222974147 | [Redact] | [Redact] |  |  | C D | B | A | C D | A | B | A | B |  |
| 222974154 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222974156 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222974159 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| 222974160 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 222974161 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222974162 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222974168 | [Redact] | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| 222974169 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222974175 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 222976794 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| 222977230 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 222977504 | [Redact] | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| 222982562 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 222983918 | [Redact] | [Redact] | [Redact] |  | B | A | A | B | A | A | A | A |  |
| 222986494 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223002733 | [Redact] | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| 223005499 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 223005511 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 223005807 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223006408 | [Redact] | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| 223008422 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008423 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008424 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008425 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008426 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008427 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008429 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 223008430 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 223008431 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008432 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008433 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008434 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008435 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008436 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008438 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008439 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008440 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008441 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008442 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008443 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008444 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008445 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008446 | [Redact] | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| 223008448 | [Redact] | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| 223008449 | [Redact] | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| 223008450 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008451 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223008452 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008453 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008454 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008455 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223008456 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008457 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008458 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008459 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008460 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008461 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008462 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008463 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008464 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008465 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008466 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008467 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008468 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008469 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008470 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008472 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008473 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008474 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008475 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008476 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008477 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008479 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008480 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223008481 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223008840 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223011309 | [Redact] | [Redact] |  |  | C D | B | A | C D | A | A | A | A |  |
| 223011317 | [Redact] | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| 223011928 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223012040 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 223013879 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223040985 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| 223041000 | [Redact] | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| 223047541 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 223054291 | [Redact] | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| 223055686 | [Redact] | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| 223055687 | [Redact] | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| 223055689 | [Redact] | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| 223055690 | [Redact] | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| 223055691 | [Redact] | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| 223055692 | [Redact] | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| 223055696 | [Redact] | [Redact] |  |  | B | C | A | C | B | A | A | B |  |
| 223055697 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223055698 | [Redact] | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| 223055701 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223055702 | [Redact] | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| 223055735 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223055736 | [Redact] | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| 223055738 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055739 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055741 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055742 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055743 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055744 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055745 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055746 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055747 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055748 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055749 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055750 | [Redact] | [Redact] |  |  | D |  | A | D | B |  | A | B |  |
| 223055751 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055752 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055756 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055757 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055758 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055759 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055760 | [Redact] | [Redact] |  |  | B |  | A | B | A |  | A | A |  |
| 223055761 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055762 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055763 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055764 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055765 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055766 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055768 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055771 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055774 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055775 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055776 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055779 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055780 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055782 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055784 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055785 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055786 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055788 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055789 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055790 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055791 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055793 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055795 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055796 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055797 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055802 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055804 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055805 | [Redact] | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| 223055808 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055809 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055810 | [Redact] | [Redact] |  |  | C D |  | A | C D | A |  | A | A |  |
| 223055813 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055814 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223055815 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055817 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055818 | [Redact] | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| 223055819 | [Redact] | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| 223055822 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223076459 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223076460 | [Redact] | [Redact] |  |  | C D | A | A | C D | B | A | A | B |  |
| 223076461 | [Redact] | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| 223076462 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223076464 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223078902 | [Redact] | [Redact] |  |  | B | C | A | C | A | A B | A | A B |  |
| 223078903 | [Redact] | [Redact] |  |  | C D | B | C | C D | B | A | A | B |  |
| 223078905 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223078907 | [Redact] | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| 223078911 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223078912 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223095633 | [Redact] | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| 223134325 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223134326 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223134329 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223134331 | [Redact] | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| 223134332 | [Redact] | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| 223134333 | [Redact] | [Redact] |  |  | C D | B | A | C D | A | A | A | A |  |
| 223134335 | [Redact] | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| 223134338 | [Redact] | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| 223134339 | [Redact] | [Redact] |  |  | C D | A | A | C D | B | A | A | B |  |
| 223134340 | [Redact] | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| 223170604 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170605 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170606 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170607 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170609 | [Redact] | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| 223170610 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170612 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170614 | [Redact] | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| 223170615 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170617 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170634 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170635 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223170636 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223170639 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170640 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170647 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170648 | [Redact] | [Redact] |  |  | C D | C | A | C D | A | B | A | B |  |
| 223170649 | [Redact] | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| 223170653 | [Redact] | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| 223182722 | [Redact] | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| 223186091 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223223952 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223363771 | [Redact] | [Redact] |  |  | C | C | D | D | A | B | A | B |  |
| 223363776 | [Redact] | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| 223367493 | [Redact] | [Redact] |  |  | C | C | A | C | A | A | A | A |  |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

![](situs.jpg)

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| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 6/4/2025 1:04:26 PM** |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 218379378 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 41.871 | 51.26904 | 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) |
| 218379378 | [Redact] | [Redact] |  | [Redact] | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| 220144896 | [Redact] | [Redact] |  |  | MERS Min Number | [Redact] | [Redact] | Verified | Field value reflects source document |
| 220491973 | [Redact] | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 220491973 | [Redact] | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 220491973 | [Redact] | [Redact] |  |  | Universal Loan Identifier (ULI) | [Redact] |  | Verified | Field value reflects source document |
| 220681999 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 220745136 | [Redact] | [Redact] |  |  | MERS Min Number | [Redact] | [Redact] | Verified | Field value reflects source document |
| 220856785 | [Redact] | [Redact] | [Redact] |  | Original P&I | [Redact] | [Redact] | Verified | Field Value reflects Note value |
| 220961651 | [Redact] | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| 221178117 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 221178117 | [Redact] | [Redact] |  |  | Originator Application Date | [Redact] | [Redact] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 221183343 | [Redact] | [Redact] |  |  | Original P&I | [Redact] | [Redact] | Verified | Field Value reflects Note value |
| 221183419 | [Redact] | [Redact] |  |  | Original P&I | [Redact] | [Redact] | Verified | Field Value reflects Note value |
| 221272126 | [Redact] | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 221272126 | [Redact] | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 221272126 | [Redact] | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| 221272126 | [Redact] | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 221288699 | [Redact] | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 221288699 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 221297964 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 25.36 | 20.12898 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 221320372 | [Redact] | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 221329157 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 221330531 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 44 | 49.53281 | Verified | Revised AUS provided with DTI of 50% |
| 221421106 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 48.397 | 44.95485 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 221421106 | [Redact] | [Redact] |  |  | Borrower Mailing Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| 221421108 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 49.318 | 44.955 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 221421108 | [Redact] | [Redact] |  |  | Borrower Mailing Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| 221979356 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 221979356 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 23.663 | 20.3839 | Verified | Per 1008 DTI is 20.54% and calculated DTI is 20.38% due to the subject negative rental income of [Redacy] vs 1008 of [Redact]. |
| 222061100 | [Redact] | [Redact] |  | [Redact] | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222061100 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 67.597 | 73.81974 | 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) |
| 222115224 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.483 | 49.47734 | Verified | DU DTI 49.48% |
| 222132592 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222136119 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222136119 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 71.06 | 70 | 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) |
| 222221479 | [Redact] | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222231294 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222242788 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222245057 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222303487 | [Redact] | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Unable to verify due to missing information |
| 222305924 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222309068 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.03 | 46.18126 | Verified | DU DTI 45.39% |
| 222346447 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.514 | 26.7896 | Verified | 1008 DTI 26.789% |
| 222346447 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222462008 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222467173 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222477016 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.41 | 1.45 | Verified | Field value reflects source document |
| 222477124 | [Redact] | [Redact] |  |  | Original CLTV | 78.3 | 80 | 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) |
| 222477124 | [Redact] | [Redact] |  |  | Original LTV | 78.3 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 222477138 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 222477165 | [Redact] | [Redact] |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222477177 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.66 | 1.64 | Verified | Field value reflects source document |
| 222524153 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.424 | 49.17178 | Verified | DU DTI 47.69% |
| 222524153 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222573847 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222616188 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222621637 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222621968 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222621968 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222621968 | [Redact] | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222626128 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222631250 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222631250 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222661684 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222661684 | [Redact] | [Redact] |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222710131 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222713780 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222717710 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222718840 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 4.558 | 24.82085 | Verified | 1008 DTI 24.821% |
| 222726644 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222728698 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 66.73 | 61.89474 | 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) |
| 222728698 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222734070 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222734269 | [Redact] | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222734269 | [Redact] | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222734269 | [Redact] | [Redact] |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Delayed Financing refi |
| 222734269 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222734269 | [Redact] | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222734274 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222734277 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222734279 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222734279 | [Redact] | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222734281 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222748364 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222748364 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222748364 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41 | 35.00829 | Verified | 1008 DTI 35.008% |
| 222748823 | [Redact] | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222748823 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222749941 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222749941 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222751357 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222751357 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41 | 44.18801 | Verified | 1008 DTI 43.937% |
| 222763342 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222763346 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222763347 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222763347 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 43 | 48.25625 | Verified | Per AUS DTI is 48.26% and calculated DTI is 48.26% |
| 222767330 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222767330 | [Redact] | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222767330 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222767330 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222767330 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.601 | 43.55784 | Verified | Approval DTI 44.233% |
| 222767562 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 67.04 | 70 | 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) |
| 222767562 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 67.04 | 70 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222767715 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222770708 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222770708 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 772 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222770708 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 66 | 70 | 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) |
| 222770708 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 80 | 70 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222774933 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222774933 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 70 | 65 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222775899 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 80 | 75 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222777147 | [Redact] | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222778785 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222778785 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222778785 | [Redact] | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222778785 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 720 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222778785 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 75 | 70 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222779135 | [Redact] | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222779135 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222779136 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222779136 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 784 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222779556 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222779556 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 50 | 46.61972 | 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) |
| 222779556 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 50.92 | 46.61972 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222779560 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222779560 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.88 | 8.19347 | Verified | 1008 DTI 9.070% |
| 222779565 | [Redact] | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222783287 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222783287 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 71 | 72.49973 | 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) |
| 222783287 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 80 | 72.49973 | Verified | Tape Value reflect the LTV value |
| 222783746 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222789902 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222790031 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222790031 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222790031 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222790031 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 25.0309 | 45.20101 | Verified | Per AUS DTI is 43.98% and calculated DTI is 45.20% due to the Borrowers income of [Redact] per Schedule C vs AUS/income worksheet of [Redact]. Businesses [Redact] and [Redact]. |
| 222790344 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 50 | 46.875 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222790429 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222790429 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.883 | 36.17035 | Verified | Lender did not include T&I for primary residence in the DTI |
| 222790429 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222790629 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222790629 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.883 | 40.83446 | Verified | 1008 DTI 41.728% |
| 222790660 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222790660 | [Redact] | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222790716 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222790716 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222790716 | [Redact] | [Redact] |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222790716 | [Redact] | [Redact] |  |  | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 222790716 | [Redact] | [Redact] |  |  | Original CLTV | 64 | 69.33333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 222790716 | [Redact] | [Redact] |  |  | Original LTV | 64 | 69.33333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 222790798 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28.41 | 41.89409 | Verified | 1008 DTI 44.087% |
| 222790801 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222790801 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222790801 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.94 | 33.66067 | Verified | 1008 DTI 33.038% |
| 222791707 | [Redact] | [Redact] |  |  | Original CLTV | 80 | 89.86301 | Verified | Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV |
| 222791707 | [Redact] | [Redact] |  |  | Original HCLTV | 80 | 89.86301 | Verified | Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV |
| 222791707 | [Redact] | [Redact] |  |  | Original LTV | 80 | 89.86301 | Verified | Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV |
| 222791707 | [Redact] | [Redact] |  |  | Borrower Self-Employed? | 1 | 0 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| 222791707 | [Redact] | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Lender qualified with higher of 2 appraisals; lower of the 2 was used to calculate the LTV/CLTV |
| 222791724 | [Redact] | [Redact] |  |  | Representative FICO | 661 | 679 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222791866 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222791866 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222791987 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222791987 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222791987 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222791987 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222791987 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 60 | 57.30659 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222796882 | [Redact] | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222796882 | [Redact] | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222796882 | [Redact] | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| 222801530 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 665 | 657 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222801530 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222801923 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 80 | 73.52941 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222802479 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 60 | 41.45078 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222804490 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222805435 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 791 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222805435 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222808372 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 75 | 70 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222835671 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222835671 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 16.828 | 27.3097 | Verified | 1008 DTI 27.306% |
| 222836405 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 781 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222836405 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 34.103 | 36.94444 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 222836405 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 34.103 | 36.94444 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222836405 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.249 | 30.00743 | Verified | 1008 DTI 30.008% |
| 222836621 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 41.2 | 43.82979 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222836621 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222836627 | [Redact] | [Redact] |  | [Redact] | Original HCLTV | 68.605 | 64.08352 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| 222864883 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.99 | 32.1953 | Verified | 1008 DTI 32.191% |
| 222864988 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 48.638 | 49.8008 | 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) |
| 222864988 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222866759 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222866759 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 50 | 40.24691 | 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) |
| 222872725 | [Redact] | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222890060 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222890060 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222890060 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 27.921 | 33.92771 | Verified | 1008 reflects 2nd lien payment of [Redact] but the actual payment is higher. |
| 222893741 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222893741 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 37.53 | 28.30508 | 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) |
| 222893741 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 17.861 | 30.46652 | Verified | 1008 DTI 28.888% |
| 222894210 | [Redact] | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222894210 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222894210 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 75 | 70 | 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) |
| 222894319 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222894319 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222894632 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222894632 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr 1099 | Verified | Field Value reflects documentation located in origination file |
| 222894632 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 63.43 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 222894632 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.878 | 27.10374 | Verified | Revised 1008 provided with a DTI of 27.104% |
| 222895461 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222895461 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222895461 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.55 | 34.18443 | Verified | Revised 1008 DTI 34.290% |
| 222903628 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222903628 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222903628 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222904454 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222904664 | [Redact] | [Redact] |  |  | Guarantor 1 First Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222904664 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 2.15 | 1.66 | Verified | Field value reflects source document |
| 222904666 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.12 | Verified | Field value reflects source document |
| 222904676 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 0.97 | 1.15 | Verified | Field value reflects source document |
| 222904684 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.90 | 1.49 | Verified | Field value reflects source document |
| 222904685 | [Redact] | [Redact] |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| 222904685 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222904685 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.25 | Verified | Field value reflects source document |
| 222904687 | [Redact] | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222904687 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222904687 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222904687 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.83 | 1.61 | Verified | Field value reflects source document |
| 222904688 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222904688 | [Redact] | [Redact] |  |  | Guarantor 1 First Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222904688 | [Redact] | [Redact] |  |  | Guarantor 1 Last Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222904688 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.84 | 1.63 | Verified | Field value reflects source document |
| 222904695 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.24 | Verified | Field value reflects source document |
| 222905502 | [Redact] | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222905502 | [Redact] | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222905502 | [Redact] | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| 222905502 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41.557 | 25.8312 | Verified | 1008 DTI 25.838% |
| 222907566 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.772 | 47.09436 | Verified | 1008 DTI 47.088% |
| 222916958 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222916958 | [Redact] | [Redact] |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222916958 | [Redact] | [Redact] |  |  | # of Units | 4 | 8 | Verified | Field value reflects source document |
| 222916969 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222922331 | [Redact] | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222922582 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 48.792 | 33.66614 | Verified | 1008 DTI 37.283% |
| 222924293 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222928305 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222928305 | [Redact] | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222928305 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 26.83 | 27.86885 | 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) |
| 222928305 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222928483 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222929608 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222929608 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.061 | 34.7148 | Verified | 1008 DTI 34.715% |
| 222931864 | [Redact] | [Redact] |  | [Redact] | Property Type | 2 Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222933431 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222933431 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.16 | 21.48474 | Verified | 1008 DTI 21.485% |
| 222934104 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934104 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.37 | Verified | Field value reflects source document |
| 222934105 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934106 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934106 | [Redact] | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222934107 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934108 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934108 | [Redact] | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222934109 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222934109 | [Redact] | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222952979 | [Redact] | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222952979 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.67 | 36.119 | Verified | 1008 DTI 36.119% |
| 222954467 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222959643 | [Redact] | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 222959643 | [Redact] | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 222959705 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 222960077 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960089 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960090 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960091 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960091 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.28 | Verified | Due to rounding factor |
| 222960092 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960095 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960095 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.20 | Verified | Lender used lower Lease Agreement Rental amount of [Redact]0. Calculated DSCR= Appraisal Market Rents [Redact]/[Redact]= 1.20 |
| 222960102 | [Redact] | [Redact] |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222960102 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960102 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.11 | Verified | Lender used monthly rent from expired lease of [Redact] monthly. Evidence of recent rents received reflects [Redact] monthly. |
| 222960108 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960111 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960111 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.22 | Verified | Calculated DCSR is [Redact]/ [Redact]==1.22 |
| 222960112 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 222960112 | [Redact] | [Redact] |  |  | Original LTV | 58 | 56.56201 | Verified | Delayed financing. Used the lower of the 2 values |
| 222960112 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960114 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960119 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960119 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.17 | Verified | Investor Qualifying Income / Monthly PITIA = [Redact]/[Redact] = 1.17 DSCR, DSCR mismatch due to Tax amount. |
| 222960128 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960131 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960137 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960139 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960141 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 222960141 | [Redact] | [Redact] |  |  | Original LTV | 75 | 57.17625 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 222960141 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960141 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.33 | Verified | Monthly PITIA - [Redact]/ Monthly Rents-[Redact]== DSCR is 1.33 |
| 222960151 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960160 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960160 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.13 | Verified | DSCR Calculation in loan file used market rent amounts totaling [Redact], PITIA of [Redact], resulting in 1.13 DSCR |
| 222960162 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960164 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960166 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960168 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222960967 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender qualified with taxes from Lot 1 only; per title, subject consists of lot 1 and lot 2 |
| 222960967 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.59 | Verified | Field value reflects source document |
| 222960974 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222960974 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.06 | Verified | Lender used [Redact] gross rents; leases verified less |
| 222960977 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.25 | Verified | Field value reflects source document |
| 222960979 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222960979 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | PITIA per the closing statement reserves is [Redact] |
| 222960979 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.51 | 1.45 | Verified | Field value reflects source document |
| 222960980 | [Redact] | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222960980 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222960981 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222960981 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 2.02 | 1.85 | Verified | Field value reflects source document |
| 222960987 | [Redact] | [Redact] |  |  | Representative FICO | 702 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222960987 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222960987 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender calculated HOA as being paid annually but appraisal verified it is monthly |
| 222960987 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.29 | Verified | Field value reflects source document |
| 222961002 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222961004 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222961004 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961006 | [Redact] | [Redact] |  |  | Guarantor 1 Last Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961007 | [Redact] | [Redact] |  |  | Representative FICO | 707 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222961007 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961009 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961010 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961011 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961011 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.57 | Verified | Field value reflects source document |
| 222961013 | [Redact] | [Redact] |  |  | Representative FICO | 767 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222961013 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222961013 | [Redact] | [Redact] |  |  | Guarantor 1 First Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961013 | [Redact] | [Redact] |  |  | Guarantor 1 Last Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 222961566 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222969083 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222969083 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222969083 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222969083 | [Redact] | [Redact] |  |  | Original CLTV | 38.43 | 35 | 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) |
| 222969083 | [Redact] | [Redact] |  |  | Original LTV | 38.43 | 35 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 222969088 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222969089 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222969089 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222969089 | [Redact] | [Redact] |  |  | Original CLTV | 60 | 57.93103 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 222969089 | [Redact] | [Redact] |  |  | Original LTV | 60 | 57.93103 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 222969090 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222969090 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 222969093 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222973544 | [Redact] | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222974143 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974143 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974143 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222974146 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974146 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222974147 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974147 | [Redact] | [Redact] |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222974147 | [Redact] | [Redact] |  |  | # of Units | 4 | 9 | Verified | Field value reflects source document |
| 222974154 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974154 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974156 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974156 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974156 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222974159 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974159 | [Redact] | [Redact] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 222974159 | [Redact] | [Redact] |  |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222974159 | [Redact] | [Redact] |  |  | Original CLTV | 77.85 | 80 | Verified | Seasoning is less than 6 months. Tape value is based on appraised value and review value is based on cost basis. |
| 222974159 | [Redact] | [Redact] |  |  | Original LTV | 77.85 | 80 | Verified | Seasoning is less than 6 months. Tape value is based on appraised value and review value is based on cost basis. |
| 222974160 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974160 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974160 | [Redact] | [Redact] |  |  | Representative FICO | 747 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222974161 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974161 | [Redact] | [Redact] |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222974162 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974162 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974168 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 222974168 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 222974169 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974169 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 222974175 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 222974175 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 222974175 | [Redact] | [Redact] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222976794 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 21.223 | 36.41873 | Verified | 1008 DTI 36.419% |
| 222977504 | [Redact] | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 222977504 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 20.279 | 45.26012 | Verified | 1008 DTI 45.260% |
| 222983918 | [Redact] | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 223002733 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223005499 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.427 | 38.51735 | Verified | 1008 DTI 38.517% |
| 223005511 | [Redact] | [Redact] |  | [Redact] | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223005511 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 62.5 | 59.52381 | 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) |
| 223005511 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 4.983 | 37.26713 | Verified | 1008 DTI 37.254% |
| 223006408 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223006408 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223006408 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.07 | 35.09852 | Verified | 1008 DTI 35.099% |
| 223008422 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223008423 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.69 | Verified | 1007 verified market rent as [Redact]; PITIA matched lender's amount on the tape |
| 223008425 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008425 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 2.06 | 2.14 | Verified | Field value reflects source document |
| 223008426 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008429 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008429 | [Redact] | [Redact] |  |  | Guarantor 1 First Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008430 | [Redact] | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 223008432 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008433 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223008433 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008434 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223008434 | [Redact] | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223008435 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223008435 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008435 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.59 | 1.57 | Verified | Field value reflects source document |
| 223008436 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008439 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223008440 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008442 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008443 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008444 | [Redact] | [Redact] |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008445 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008446 | [Redact] | [Redact] |  |  | Representative FICO | 733 | 727 | Verified | Tape value is the score from the post-close credit report; field value is the score from the credit report dated prior to closing |
| 223008448 | [Redact] | [Redact] |  |  | Representative FICO | 733 | 727 | Verified | Tape value is the score from the post-close credit report; field value is the score from the credit report dated prior to closing |
| 223008448 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008448 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008449 | [Redact] | [Redact] |  |  | Representative FICO | 733 | 727 | Verified | Tape value is the score from the post-close credit report; field value is the score from the credit report dated prior to closing |
| 223008450 | [Redact] | [Redact] |  |  | Representative FICO | 733 | 727 | Verified | Tape value is the score from the post-close credit report; field value is the score from the credit report dated prior to closing |
| 223008451 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008451 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008459 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008460 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender did not include the correct HOA dues for the property in the PITIA |
| 223008460 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.31 | Verified | Lender did not include the correct HOA dues for the property in the PITIA |
| 223008461 | [Redact] | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223008461 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008462 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223008462 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.30 | Verified | Field value reflects source document |
| 223008463 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.21 | Verified | lender used lower rent not documented in file to calculate the DSCR |
| 223008464 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223008464 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008465 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008466 | [Redact] | [Redact] |  |  | Interest Rate Periodic Floor | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Floor' per the Note |
| 223008466 | [Redact] | [Redact] |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223008466 | [Redact] | [Redact] |  |  | Rounding Method |  | Nearest | Verified | Field Value reflects 'Rounding Method' per the Note |
| 223008466 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008466 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.87 | 2.00 | Verified | Field value reflects source document |
| 223008467 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008468 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223008468 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender qualified with less HOI; updated dec page and invoice in file was used to calculate the PITIA and DSCR |
| 223008468 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.89 | 2.03 | Verified | Lender qualified with less HOI; updated dec page and invoice in file was used to calculate the PITIA and DSCR |
| 223008469 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223008469 | [Redact] | [Redact] |  |  | Original LTV | 79.41 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223008470 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Tape data qualified with less insurance than documented in file and verified on the HUD. |
| 223008472 | [Redact] | [Redact] |  |  | Representative FICO | 760 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223008472 | [Redact] | [Redact] |  |  | Interest Rate Life Min | [Redact] | [Redact] | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223008472 | [Redact] | [Redact] |  |  | Interest Rate Life Max | [Redact] | [Redact] | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223008472 | [Redact] | [Redact] |  |  | Interest Rate Periodic Floor | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Floor' per the Note |
| 223008472 | [Redact] | [Redact] |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223008473 | [Redact] | [Redact] |  |  | Representative FICO | 760 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223008473 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008473 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 0.95 | 1.14 | Verified | Field value reflects source document |
| 223008474 | [Redact] | [Redact] |  |  | Representative FICO | 760 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223008474 | [Redact] | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223008474 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008475 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008476 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223008477 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Unable to verify due to missing information |
| 223008479 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008480 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223008480 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008480 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.47 | Verified | Field value reflects source document |
| 223008481 | [Redact] | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| 223008481 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.62 | Verified | Field value reflects source document |
| 223008840 | [Redact] | [Redact] |  | [Redact] | Representative FICO | 740 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223011309 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223011317 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223011317 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 223012040 | [Redact] | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223012040 | [Redact] | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223012040 | [Redact] | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 19.767 | 35.7918 | Verified | 1008 DTI 35.792% |
| 223040985 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223040985 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223040985 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 223047541 | [Redact] | [Redact] |  | [Redact] | Original CLTV | 33.867 | 35.03448 | 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) |
| 223055696 | [Redact] | [Redact] |  |  | Representative FICO | 793 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223055697 | [Redact] | [Redact] |  |  | Representative FICO | 766 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223055701 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055736 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055738 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055739 | [Redact] | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223055739 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055741 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055741 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055742 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055743 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055744 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055745 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055745 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055746 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055746 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055747 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055748 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055748 | [Redact] | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.07 | Verified | HOA Dues amount on the 1073 is higher than that used to qualify. |
| 223055749 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055750 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055750 | [Redact] | [Redact] |  |  | Property Type | Single Family | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223055750 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055751 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055752 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055756 | [Redact] | [Redact] |  |  | Representative FICO | 755 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223055756 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055757 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055758 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055759 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055760 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055761 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055762 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055763 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055764 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055766 | [Redact] | [Redact] |  |  | Representative FICO | 763 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223055766 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055768 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055771 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055774 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055775 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055776 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055779 | [Redact] | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223055779 | [Redact] | [Redact] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223055780 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055782 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055784 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055785 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055786 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055788 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055789 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055790 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055791 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055793 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055795 | [Redact] | [Redact] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223055795 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055796 | [Redact] | [Redact] |  |  | Representative FICO | 680 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223055796 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055797 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055802 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055804 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055805 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055808 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055809 | [Redact] | [Redact] |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223055809 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055813 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055814 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223055814 | [Redact] | [Redact] |  |  | Original LTV | 70 | 67.64268 | Verified | Delayed finance. Lower of the 2 values, total settlement costs vs the current value |
| 223055814 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055815 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055817 | [Redact] | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| 223055817 | [Redact] | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| 223055817 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055818 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055819 | [Redact] | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| 223055819 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223055822 | [Redact] | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223076459 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223076460 | [Redact] | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223076460 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223076461 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223076462 | [Redact] | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| 223076462 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223076462 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223076464 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223078902 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223078902 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.72 | 34.16742 | Verified | DTI per lender 34.71% while reviewed DTI 33.02% due to the Note Rate of [Redact] and Qualifying rate of [Redact] for P&I. |
| 223078902 | [Redact] | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| 223078903 | [Redact] | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 223078903 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223078903 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223078903 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 11.5993 | 33.24059 | Verified | Per AUS DTI is 33.813% and calculated DTI is 33.240% due to Borrowers income of [Redact]4 vs 1008 of [Redact] and Co-Borrowers income of [Redact] vs 1008 of [Redact]. Also the negative income of the subject property is [Redact] vs 1008 of [Redact]. |
| 223078903 | [Redact] | [Redact] |  |  | Decision System |  | LP / LPA | Verified | Field value reflects source document |
| 223078905 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Unable to verify due to missing information |
| 223078905 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223078905 | [Redact] | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223078907 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223078907 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223078907 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 32.8484 | 49.50106 | Verified | Included PITI for [Redact] in DTI. Statement is in spouses name but the payment comes out of our borrowers bank account. |
| 223078911 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223078912 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223078912 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223078912 | [Redact] | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| 223095633 | [Redact] | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 223134325 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223134326 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223134329 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223134329 | [Redact] | [Redact] |  |  | Representative FICO | 722 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223134331 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223134331 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223134331 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223134331 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223134332 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223134333 | [Redact] | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| 223134333 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223134335 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223134338 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223134339 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223134339 | [Redact] | [Redact] |  |  | Representative FICO | 746 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223134339 | [Redact] | [Redact] |  |  | Original CLTV | 65 | 56.52174 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223134339 | [Redact] | [Redact] |  |  | Original LTV | 65 | 56.52174 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223134340 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223134340 | [Redact] | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223134340 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223134340 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223134340 | [Redact] | [Redact] |  |  | Original CLTV | 75 | 72.19512 | 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) |
| 223134340 | [Redact] | [Redact] |  |  | Original LTV | 75 | 72.19512 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223170604 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170604 | [Redact] | [Redact] |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170604 | [Redact] | [Redact] |  |  | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 223170604 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223170605 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170606 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170607 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170609 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170609 | [Redact] | [Redact] |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170610 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170612 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170614 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170614 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 223170615 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170615 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170615 | [Redact] | [Redact] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170617 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170617 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170617 | [Redact] | [Redact] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170617 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223170634 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170634 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170635 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170635 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170635 | [Redact] | [Redact] |  |  | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170636 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170636 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170636 | [Redact] | [Redact] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170636 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 223170639 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170640 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223170647 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170647 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170648 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170648 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170649 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170649 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170649 | [Redact] | [Redact] |  |  | Property Type | Townhouse | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223170653 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223170653 | [Redact] | [Redact] |  |  | Amortization Term | [Redact] | [Redact] | Verified | Field Value reflects Amortization Term per Note |
| 223170653 | [Redact] | [Redact] |  |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223186091 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223223952 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| 223223952 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223223952 | [Redact] | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | The Bid Tape Field Value was not provided. |
| 223223952 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 25.3264 | 30.76333 | Verified | Field Value DTI matches 1008 DTI. |
| 223363771 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223363771 | [Redact] | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| 223363771 | [Redact] | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223363776 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223363776 | [Redact] | [Redact] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223363776 | [Redact] | [Redact] |  |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223363776 | [Redact] | [Redact] |  |  | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 223367493 | [Redact] | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| 223367493 | [Redact] | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| 223367493 | [Redact] | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 19.6278 | 23.49321 | Verified | Per 1008 DTI is 23.531% and calculated DTI is 23.531% |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

![](situs.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 6/5/2025 1:47:33 PM** |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **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 REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL 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** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 218379378 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 218784081 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 220144896 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 220372664 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 220491973 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 220681999 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 220741772 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 220745136 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 220856785 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 220892689 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.576% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 220961651 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 220973537 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 221178117 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 221183343 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 221183419 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.883% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 221216453 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 221222729 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 221244438 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 221251837 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 221263300 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 221263882 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 221268589 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 221272126 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 221272147 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 221274226 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 221288699 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 221291208 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 221297964 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 221320372 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 221329145 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 221329157 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 221330531 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 999.00 |
| 221421106 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 221421108 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 221531844 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 221811295 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 221892893 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 221979356 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222033815 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222061100 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 222115224 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222132592 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 222136119 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222160328 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222163568 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 222221479 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 222231294 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 222242788 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 222245057 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222246540 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.083% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 222250591 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.977% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222261153 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222264110 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 222303487 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.536% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 222305924 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222309068 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 222331564 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | N/A |  | 1.00 |
| 222335467 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 222346447 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222356926 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.444% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 222365430 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 222399098 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 222416540 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.642% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222462008 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 222467173 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 222471956 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 222477015 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477016 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477084 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477088 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 222477109 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477114 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477115 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222477121 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 222477122 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477124 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.216% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.216% |  |  |  |  |  |  | N/A |  |  |
| 222477126 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477137 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 222477138 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 222477142 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.425% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477152 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 9.675% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.675% |  |  |  |  |  |  | N/A |  |  |
| 222477153 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.591% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.591% |  |  |  |  |  |  | N/A |  |  |
| 222477165 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477177 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477208 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477215 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.895% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477221 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 222477236 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477243 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222477922 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 222504849 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.372% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 222515349 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222516312 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222524152 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222524153 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.277% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 222525130 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222558632 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222563466 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 222573847 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222616188 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 222621637 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222621968 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222626128 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222627438 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.143% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222631250 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222661684 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222703125 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 222710131 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222713780 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222717710 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 222718840 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| 222726644 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 222728698 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 222734070 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222734261 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222734269 | [Redact] | [Redact] |  |  |  |  |  |  | 13.924% |  |  |  | Appraisal |  |  |  |  | 13.924% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222734274 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222734277 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222734279 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222734281 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 222735124 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222739128 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222745184 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.910% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222748364 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 222748823 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 222749941 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222750215 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 222751357 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 222762012 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222763342 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 222763346 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222763347 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222764421 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222767330 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222767562 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222767715 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222768222 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 222770708 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222774933 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222775899 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222777147 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.609% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222778627 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222778785 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| 222779135 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222779136 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 222779184 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 222779556 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222779560 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222779565 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222782984 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222783110 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.150% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222783125 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 222783287 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.261% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 222783733 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222783745 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222783746 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222783747 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 222789902 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| 222789933 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 222790031 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.941% |  |  | Appraisal |  |  |  |  |  | 0.000% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222790344 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222790429 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 222790629 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222790660 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222790716 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 8.333% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222790798 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222790801 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222791707 | [Redact] | [Redact] |  |  |  |  |  |  | 12.329% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222791708 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222791724 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222791725 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 222791866 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222791987 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.444% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 222796716 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 222796882 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222796884 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222796885 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 222801363 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 222801530 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222801923 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 222802479 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 222803391 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222804490 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222804824 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222805435 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 222807570 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222808372 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222835671 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 222836405 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222836621 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 222836627 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222861292 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222861295 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222862302 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222862305 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222864852 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222864883 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 222864988 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 222866759 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 222872725 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222890060 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222892078 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 222892267 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222892412 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222893741 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222894210 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 222894319 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222894632 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222894822 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222895461 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 222895479 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222903628 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 222904454 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222904664 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222904666 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222904676 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | -1.522% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.52% |  |  |  |
| 222904684 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222904685 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222904687 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222904688 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222904695 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222905502 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 222906465 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222907503 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 222907566 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222916237 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222916958 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222916969 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222917065 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222917228 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -42.529% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 222922330 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222922331 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 222922582 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222924293 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222927018 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 222928305 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.815% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222928483 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222929608 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222931864 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222933431 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222934104 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222934105 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222934106 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222934107 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222934108 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222934109 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222952979 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222954467 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.030% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 222959643 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 222959705 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 222960077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 222960089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 222960090 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 222960091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 222960092 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 222960095 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 222960102 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 222960108 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 222960111 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 222960112 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 222960114 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 222960119 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 222960124 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 222960128 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960131 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 222960137 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960139 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 222960141 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 222960151 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 222960160 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 222960162 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222960164 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 222960166 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 222960168 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 222960967 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960974 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222960977 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960979 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960981 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222960987 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960992 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960993 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222960994 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961000 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961002 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961003 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961004 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961005 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961006 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961007 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961009 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961010 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961011 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961013 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222961380 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222961566 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222969083 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222969088 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.385% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222969089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222969090 | [Redact] | [Redact] |  |  |  |  |  |  | 14.762% |  |  |  | Appraisal |  |  |  |  | 14.762% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222969093 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222971372 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 222972155 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222973544 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974143 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222974146 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974147 | [Redact] | [Redact] |  |  |  |  |  |  | 0.775% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974154 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222974156 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974159 | [Redact] | [Redact] |  |  |  |  |  |  | 2.759% |  |  |  | Appraisal |  |  |  |  | 2.759% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974160 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 222974161 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974162 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974168 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974169 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222974175 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222976794 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 222977230 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 222977504 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222982562 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222983918 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 222986494 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002733 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223005499 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223005511 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 223005807 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 223006408 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 223008422 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008423 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008424 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008425 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008426 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | -6.529% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.53% |  |  |  |
| 223008427 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008429 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008430 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008431 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008432 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008433 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008434 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008435 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008436 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008438 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008439 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008440 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008441 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008442 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223008443 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008444 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008445 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008446 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008448 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008449 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008450 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008451 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008452 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008453 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008454 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008455 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008456 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008457 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008458 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.136% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008459 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223008460 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223008461 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008462 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.667% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008463 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008464 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008465 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223008466 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008467 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008468 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.500% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008469 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.556% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008470 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008472 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008473 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008474 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008475 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223008476 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008477 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008479 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008480 | [Redact] | [Redact] |  |  |  |  |  |  | 4.895% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008481 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223008840 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223011309 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223011317 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 223011928 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223012040 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 223013879 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223040985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223041000 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 223047541 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 223054291 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 223055686 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055687 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223055689 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 223055690 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223055691 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| 223055692 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223055696 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223055697 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223055698 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.980% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055701 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055702 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223055735 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055736 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| 223055738 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055739 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223055741 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 223055742 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 223055743 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| 223055744 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055745 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 223055746 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 223055747 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055748 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223055749 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055750 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055751 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223055752 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223055756 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.361% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223055757 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 223055758 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055759 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| 223055760 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223055761 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223055762 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055763 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| 223055764 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.639% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223055765 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055766 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223055768 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| 223055771 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055774 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223055775 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| 223055776 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223055779 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055780 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223055782 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 223055784 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055785 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055786 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223055788 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 223055789 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.397% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| 223055790 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 223055791 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055793 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055795 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055796 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.716% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055797 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 223055802 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223055804 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223055805 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223055808 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223055809 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055810 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223055813 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223055814 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223055815 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055817 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 223055818 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223055819 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.542% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 223055822 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223076459 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223076460 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223076461 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223076462 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223076464 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223078902 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223078903 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 223078905 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223078907 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.595% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223078911 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223078912 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223095633 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223134325 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223134326 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 223134329 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223134331 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223134332 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223134333 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223134335 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 223134338 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223134339 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223134340 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223170604 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.400% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170605 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170606 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170607 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170609 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170610 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170612 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170614 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | -4.509% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.51% |  |  |  |
| 223170615 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170617 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170634 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170635 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170636 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.167% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170639 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170640 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170647 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170648 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170649 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223170653 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223182722 | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 223186091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223223952 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223363771 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223363776 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223367493 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.795% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

![](situs.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 6/5/2025 1:47:33 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** |
| 218379378 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12005.00 | $16026.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.867% | 47.867% | 47.867% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12005.00 |  | [Redact] | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 57.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.92 |  | No | No | [Redact] | [Redact] | $0.00 |
| 218784081 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11093.60 | $15335.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.334% | 43.334% | 43.334% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11093.60 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 1 | 0 | 3 | 4 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.07 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 220144896 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $4704.48 | $7363.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.180% | 33.180% | 33.180% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4704.48 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.000% | No | 0 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.22 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220372664 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $10201.80 | $14018.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.104% | 49.104% | 49.104% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10201.80 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.000% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.65 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220491973 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $10834.48 | $11717.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.457% | 43.457% | 43.457% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $10834.48 |  | [Redact] | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.41 |  | No | No | [Redact] | [Redact] | $0.00 |
| 220681999 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5849.02 | $6342.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.260% | 43.260% | 43.260% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5849.02 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 31.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220741772 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $6982.50 | $8040.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.722% | 29.722% | 29.722% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6982.50 |  | [Redact] | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 1 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 75.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.81 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220745136 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $6348.01 | $6742.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.810% | 38.810% | 38.810% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6348.01 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.000% | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.55 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220856785 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $7451.60 | $8510.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.525% | 30.525% | 30.525% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7451.60 |  | [Redact] | $9164.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.71 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220892689 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $5840.39 | $6557.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.708% | 47.708% | 47.708% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2022 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5840.39 |  | [Redact] | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.72 |  | No | No | [Redact] | $0.00 | $0.00 |
| 220961651 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.34 |  |  |  | [Redact] | $0.00 | $0.00 |
| 220973537 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6000.00 | $7324.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.316% | 37.316% | 37.316% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6000.00 |  | [Redact] | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 8.000% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.59 |  | No | No | [Redact] | $0.00 | [Redact] |
| 221178117 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $4981.28 | $3329.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.458% | 49.458% | 49.458% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Other - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; WVOE - 2023<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4981.28 |  | [Redact] | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 2 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 36 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.28 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221183343 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6370.55 | $8245.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.823% | 45.823% | 45.823% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6370.55 |  | [Redact] | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 2 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.26 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221183419 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $6398.60 | $8371.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.952% | 2.952% | 2.952% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6398.60 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.71 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221216453 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $11033.99 | $10767.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.425% | 46.425% | 46.425% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11033.99 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.000% | No | 18 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.81 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221222729 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11200.00 | $14572.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.145% | 47.145% | 47.145% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $11200.00 |  | [Redact] | $0.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 90.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.52 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221244438 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12401.87 | $13112.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.431% | 13.431% | 13.431% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12401.87 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.25 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221251837 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $3429.60 | $5943.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.256% | 43.256% | 43.256% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3429.60 |  | [Redact] | $4798.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.45 |  | No | No | [Redact] | [Redact] | $0.00 |
| 221263300 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $5813.13 | $6758.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.042% | 49.042% | 49.042% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $5813.13 |  | [Redact] | $6000.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.49 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221263882 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $1485.00 | $2385.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.744% | 49.744% | 49.744% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1485.00 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 74.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.65 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221268589 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4639.00 | $6373.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.641% | 46.641% | 46.641% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4639.00 |  | [Redact] | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.42 |  |  | No | [Redact] | [Redact] | $0.00 |
| 221272126 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $2860.00 | $5173.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.250% | 39.250% | 39.250% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2860.00 |  | [Redact] | $4000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 12.7 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221272147 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $10781.50 | $13194.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.971% | 46.971% | 46.971% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10781.50 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 31.56 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221274226 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $9208.88 | $9973.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.050% | 43.050% | 43.050% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $9208.88 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1284.98 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221288699 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $2884.74 | $4460.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.982% | 44.982% | 44.982% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2884.74 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 26 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 310.81 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221291208 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $12690.00 | $16509.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.433% | 45.433% | 45.433% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $12690.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.000% | No | 27 | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.97 |  | No | No | [Redact] | [Redact] | [Redact] |
| 221297964 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $815.30 | $2085.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.129% | 20.129% | 20.129% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $815.30 |  | [Redact] | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.000% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.31 | Retail | No | No | [Redact] | $0.00 | [Redact] |
| 221320372 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8127.00 | $11537.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.519% | 49.519% | 49.519% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8127.00 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 56.28 |  | No | No | [Redact] | [Redact] | $0.00 |
| 221329145 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $6836.82 | $8874.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.035% | 43.035% | 43.035% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $6836.82 |  | [Redact] | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 151.1 |  | No | No | [Redact] | $0.00 | [Redact] |
| 221329157 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | Yes | $3050.33 | $5288.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.963% | 43.963% | 43.963% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $3050.33 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 |  | 1 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.45 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221330531 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1983.00 | $2516.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.533% | 49.533% | 49.533% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1983.00 |  | [Redact] | $0.00 | 999 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No | [Redact] | $0.00 | $0.00 |
| 221421106 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $11089.38 | $10028.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.955% | 44.955% | 44.955% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11089.38 |  | [Redact] | $10000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.04 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 221421108 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $9638.13 | $11213.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.955% | 44.955% | 44.955% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9638.13 |  | [Redact] | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 86.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.89 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 221531844 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.67 |  |  | No | [Redact] | $0.00 | $0.00 |
| 221811295 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25660.00 | $26135.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.761% | 49.761% | 49.761% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25660.00 |  | [Redact] | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 50.000% | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.54 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 221892893 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.23 |  |  | No | [Redact] | $0.00 | $0.00 |
| 221979356 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.384% | 20.384% | 20.384% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] |  |  | [Redact] | $13271.47 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.000% | No | 30 | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.92 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222033815 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1353.00 | $3869.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.880% | 43.880% | 43.880% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1353.00 |  | [Redact] | $25000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 56.000% | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.57 |  |  | No | [Redact] | $0.00 | [Redact] |
| 222061100 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.74 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222115224 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5496.01 | $11679.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.477% | 48.697% | 49.079% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5496.01 |  | [Redact] | $0.00 | 2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.000% | No | 24 | 0 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport | Passport |  |  |  | 15.68 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222132592 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2043.00 | $6134.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.728% | 43.728% | 43.728% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2043.00 |  | [Redact] | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 44.000% | No | 32 | 8 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 51.55 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222136119 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1724.46 | $11844.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.606% | 46.620% | 47.606% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1724.46 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 419.32 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222160328 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1583.00 | $2368.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.697% | 43.697% | 43.697% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1583.00 |  | [Redact] | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 39.000% | No | 33 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.01 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222163568 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1425.00 | $4948.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.401% | 49.401% | 49.401% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1425.00 |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 8.57 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 74.000% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 69.18 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222221479 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10039.05 | $24950.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.963% | 49.963% | 49.963% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2024<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10039.05 |  | [Redact] | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.37 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222231294 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14602.46 | $15501.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.711% | 43.711% | 43.711% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14602.46 |  | [Redact] | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 1 |  |  | 9.67 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 274.58 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222242788 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2294.20 | $7258.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.159% | 45.159% | 45.159% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2294.20 |  | [Redact] | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 40.000% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.33 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222245057 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5175.80 | $4964.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.639% | 49.639% | 49.639% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5175.80 |  | [Redact] | $10000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 15.000% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.91 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222246540 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10113.03 | $19734.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.715% | 45.715% | 45.715% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10113.03 |  | [Redact] | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.06 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222250591 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.87 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222261153 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6411.50 | $7706.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.332% | 46.332% | 46.332% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - C-Corp]; Other - 2024<br> [Borrower - \| Primary Income - C-Corp]; Other - 2024<br> [Borrower - \| Primary Income - C-Corp]; Other - 2024<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2024<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2024<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6411.50 |  | [Redact] | $7500.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 9.47 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.81 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222264110 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8656.38 | $13282.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.890% | 47.890% | 47.890% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8656.38 |  | [Redact] | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 100.000% | No |  | 33 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 160.99 |  |  | No | [Redact] | $0.00 | [Redact] |
| 222303487 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23063.00 | $29586.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.811% | 47.811% | 51.256% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Employer Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Paystubs - 2023<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Paystubs - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23063.00 |  | [Redact] | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 34.000% | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  | No | No | [Redact] | [Redact] | [Redact] |
| 222305924 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $4932.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.790% | 48.790% | 52.247% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2021<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $10000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 44.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.49 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222309068 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8645.00 | $23693.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.181% | 46.181% | 46.181% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8645.00 |  | [Redact] | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 5 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 44.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.9 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222331564 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $11984.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.728% | 49.728% | 49.728% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $5000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 59.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.1 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222335467 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27642.80 | $30176.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.144% | 48.144% | 48.144% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27642.80 |  | [Redact] | $75000.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.49 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222346447 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6603.87 | $7738.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.790% | 26.790% | 26.790% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Royalty]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Royalty]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Royalty]; Deposit Receipt - 2022 | [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6603.87 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 3 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 253.34 |  | No | No | [Redact] | [Redact] | $0.00 |
| 222356926 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1735.00 | $12639.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.780% | 48.780% | 48.780% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1735.00 |  | [Redact] | $0.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 78.000% | No | 4 | 4 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 89.87 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222365430 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6995.00 | $7737.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.697% | 42.697% | 42.697% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6995.00 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.000% | No | 0 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.52 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222399098 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14070.50 | $20107.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.797% | 46.797% | 46.797% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14070.50 |  | [Redact] | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 100.000% | No | 4 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.02 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222416540 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7956.30 | $14884.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.893% | 49.893% | 49.893% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7956.30 |  | [Redact] | $150000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 62.000% | No | 22 | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.04 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222462008 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27975.00 | $35188.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.967% | 49.967% | 49.967% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27975.00 |  | [Redact] | $25000.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.01 | Retail | Yes | No | [Redact] | $0.00 | [Redact] |
| 222467173 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $7289.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.783% | 49.783% | 49.783% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $25000.00 | 3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 34.000% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.74 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222471956 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9022.84 | $3569.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.481% | 45.481% | 45.481% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9022.84 |  | [Redact] | $13558.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.11 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222477015 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 104.16 |  |  | Yes |  | $0.00 | $0.00 |
| 222477016 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 134.66 |  |  | Yes |  | $0.00 | $0.00 |
| 222477084 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.84 | 0.35 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.45 |  |  | Yes |  | $0.00 | $0.00 |
| 222477088 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22 |  |  | Yes |  | $0.00 | $0.00 |
| 222477109 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.09 |  |  | Yes |  | $0.00 | $0.00 |
| 222477114 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 120.64 |  |  | Yes |  | $0.00 | $0.00 |
| 222477115 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.36 |  |  | Yes |  | $0.00 | $0.00 |
| 222477121 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.66 |  |  | Yes |  | $0.00 | $0.00 |
| 222477122 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 60.8 |  |  | Yes |  | $0.00 | $0.00 |
| 222477124 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.02 |  |  | Yes |  | $0.00 | $0.00 |
| 222477126 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.45 | 0.41 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 253.83 |  |  | Yes |  | $0.00 | $0.00 |
| 222477137 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.94 |  |  | Yes |  | $0.00 | $0.00 |
| 222477138 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 104.3 |  |  | Yes |  | $0.00 | $0.00 |
| 222477142 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 122.08 |  |  | Yes |  | $0.00 | $0.00 |
| 222477152 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.58 |  |  | Yes |  | $0.00 | $0.00 |
| 222477153 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.26 |  |  | Yes |  | $0.00 | $0.00 |
| 222477165 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 257.98 |  |  | Yes |  | $0.00 | $0.00 |
| 222477177 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.78 |  |  | Yes |  | $0.00 | $0.00 |
| 222477208 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.23 |  |  | Yes |  | $0.00 | $0.00 |
| 222477215 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.9 |  |  | Yes |  | $0.00 | $0.00 |
| 222477221 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.86 |  |  | Yes |  | $0.00 | $0.00 |
| 222477236 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.62 |  |  | Yes |  | $0.00 | $0.00 |
| 222477243 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.06 |  |  | Yes |  | $0.00 | $0.00 |
| 222477922 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.14 |  |  | No |  | $0.00 | $0.00 |
| 222504849 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $6830.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.936% | 49.936% | 49.936% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.000% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.81 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222515349 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6171.36 | $16534.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.312% | 49.312% | 52.170% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6171.36 |  | [Redact] | $10400.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 13.000% | No | 12 | 14 |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.2 |  |  | No | [Redact] | $0.00 | [Redact] |
| 222516312 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8263.01 | $25709.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.976% | 46.976% | 46.976% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8263.01 |  | [Redact] | $30000.00 | 2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 750.97 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222524152 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2045.00 | $7944.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.883% | 48.883% | 48.883% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2045.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 81.000% | No | 35 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.21 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222524153 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4275.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.172% | 48.655% | 46.781% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 64.000% | No | 34 |  |  |  | Yes | Final | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.82 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222525130 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1595.00 | $3407.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.700% | 48.700% | 48.700% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1595.00 |  | [Redact] | $6165.11 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.000% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.43 |  | Yes | No | [Redact] | [Redact] | $0.00 |
| 222558632 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1615.00 | $3321.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.183% | 37.183% | 37.183% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1615.00 |  | [Redact] | $0.00 | 2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 1 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.51 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222563466 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 110.83 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222573847 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3222.75 | $11203.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.653% | 35.304% | 41.653% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Cancelled Checks - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3222.75 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 11.33 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 83.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 74.27 |  | No | No | [Redact] | [Redact] | $0.00 |
| 222616188 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.15 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222621637 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.66 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222621968 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 94.49 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222626128 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1525.00 | $4095.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.011% | 49.011% | 49.011% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1525.00 |  | [Redact] | $2656.80 | 1.1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 40.000% | No |  | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.08 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222627438 | [Redact] | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4199.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.323% | 46.323% | 46.323% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 50.000% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.43 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222631250 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $3150.00 | $4867.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3150.00 |  | [Redact] | $2100.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.13 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222661684 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.61 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222703125 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $7595.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.650% | 28.650% | 28.650% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 266.28 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222710131 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15885.00 | $21853.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.426% | 49.426% | 49.426% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15885.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 160.64 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222713780 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.77 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222717710 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1499.00 | $5617.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.955% | 33.272% | 40.713% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1499.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 276 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 539.31 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222718840 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8705.00 | $14573.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.821% | 24.821% | 24.821% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8705.00 |  | [Redact] | $0.00 | 4.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.08 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222726644 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $10634.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $10634.75 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.43 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222728698 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.88 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222734070 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2345.88 | $4030.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.113% | 32.113% | 32.113% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2345.88 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.92 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222734261 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $43662.72 | $19751.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.058% | 42.058% | 42.058% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $43662.72 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.93 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222734269 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62.43 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222734274 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 66.13 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222734277 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.92 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222734279 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.79 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222734281 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.59 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222735124 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 | 789 | 820 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 57.62 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222739128 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 246.85 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222745184 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 306.62 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222748364 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $88800.37 | $17025.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.008% | 35.008% | 35.008% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $88800.37 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 1 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.87 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222748823 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1420.00 | $7875.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.663% | 6.663% | 6.663% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 30.000% | 70.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1420.00 |  | [Redact] | $2700.00 | 4.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.71 |  | Yes | No | [Redact] | [Redact] | $0.00 |
| 222749941 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 172.27 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222750215 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1095.00 | $21886.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.373% | 29.373% | 29.373% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1095.00 |  | [Redact] | $34092.41 | 999 | DU |  | ApproveIneligible | No | No | [Redact] | 3 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.3 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222751357 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1740.00 | $3546.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.188% | 44.188% | 44.188% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 12.4 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222762012 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.16 | 0.46 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.75 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222763342 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11986.50 | $16030.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.611% | 47.611% | 47.611% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11986.50 |  | [Redact] | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 42.000% | No |  | 27 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.61 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222763346 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3166.58 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.714% | 45.714% | 45.714% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3166.58 |  | [Redact] | $0.00 | 2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 27.000% | No |  | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 12.97 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222763347 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2796.20 | $6727.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.256% | 48.256% | 48.256% | [Redact] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Other - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2796.20 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 86.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 103.73 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222764421 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.89 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222767330 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17240.63 | $5747.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 2.02 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.558% | 43.558% | 43.558% | [Redact] | 751 | 734 | 768 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17240.63 |  | [Redact] | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 92.000% | No |  | 25 | 26 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 63.94 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222767562 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8661.59 | $10075.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.613% | 34.613% | 34.613% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8661.59 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.74 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222767715 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2033.00 | $3847.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.076% | 21.076% | 21.076% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2033.00 |  | [Redact] | $1200.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 70.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.52 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222768222 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 75.64 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222770708 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.31 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222774933 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.1 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222775899 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 184.39 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222777147 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.99 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222778627 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.68 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222778785 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.04 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222779135 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6939.21 | $7817.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.902% | 47.902% | 47.902% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6939.21 |  | [Redact] | $1500.00 | 1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.28 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222779136 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6589.25 | $9999.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.910% | 42.910% | 42.910% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6589.25 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.000% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.01 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222779184 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $9996.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.834% | 47.834% | 47.834% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.49 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222779556 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3625.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 3.138% | 3.138% | 3.138% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.49 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222779560 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1575.00 | $2039.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.194% | 8.194% | 8.194% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $11061.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1166.26 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222779565 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1814.87 | $3003.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.076% | 31.076% | 31.076% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1814.87 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 295.86 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222782984 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8890.60 | $11132.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.796% | 42.796% | 42.796% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 79.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8890.60 |  | [Redact] | $11400.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 20.34 | Retail | Yes | No | [Redact] | $0.00 | [Redact] |
| 222783110 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6800.25 | $4755.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.343% | 41.711% | 44.343% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6800.25 |  | [Redact] | $20000.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 3 | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.5 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222783125 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.82 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222783287 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.7 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222783733 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $45210.28 | $58225.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.270% | 47.270% | 47.270% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $45210.28 |  | [Redact] | $45209.72 | 1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.000% | No |  | 1 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 63.44 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222783745 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.15 | 0.46 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 88.55 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222783746 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.49 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222783747 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.23 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222789902 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2532.10 | $12044.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.540% | 29.540% | 30.780% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2532.10 |  | [Redact] | $6203.00 | 4.9 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 74.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.36 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222789933 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $36521.25 | $6861.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.572% | 37.572% | 37.572% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $36521.25 |  | [Redact] | $2000.00 | 4.8 |  |  |  | N/A | No | [Redact] | 3 | 2 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.000% | No | 36 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.45 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222790031 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28940.00 | $18330.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.201% | 45.201% | 45.201% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28940.00 |  | [Redact] | $150000.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 28.000% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.76 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222790344 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.06 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222790429 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $19011.52 | $4874.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.170% | 36.170% | 36.170% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19011.52 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 164.57 | Retail | No | No | [Redact] | [Redact] | $0.00 |
| 222790629 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $4670.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.835% | 40.835% | 40.835% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 156.67 |  | No | No | [Redact] | [Redact] | $0.00 |
| 222790660 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1780.25 | $2856.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.790% | 39.790% | 39.790% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1780.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 146.24 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222790716 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 6 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 22.03 |  |  | Yes |  | $0.00 | $0.00 |
| 222790798 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2190.00 | $3274.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.894% | 41.894% | 41.894% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2190.00 |  | [Redact] | $150.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.52 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222790801 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $0.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.661% | 33.661% | 33.661% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $1050.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 443.09 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222791707 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | No | $6140.30 | $7060.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.596% | 49.596% | 49.596% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6140.30 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.68 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222791708 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $36306.88 | $23926.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.496% | 40.496% | 40.496% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $36306.88 |  | [Redact] | $70000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.34 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222791724 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 95.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 98.53 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222791725 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.69 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222791866 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2290.00 | $3907.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.959% | 42.959% | 42.959% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2290.00 |  | [Redact] | $7732.08 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 499.59 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222791987 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $27550.00 | $10628.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.154% | 11.154% | 11.154% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27550.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.58 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222796716 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 1 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 97.68 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222796882 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $8361.70 | $7403.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.898% | 32.898% | 32.898% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8361.70 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.52 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 222796884 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112.87 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222796885 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.48 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222801363 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.16 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222801530 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3315.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.870% | 19.870% | 19.870% | [Redact] | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1990 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.16 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222801923 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.94 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222802479 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.34 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222803391 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.07 | 0.48 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 59.56 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222804490 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1495.00 | $5479.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.655% | 40.655% | 40.655% | [Redact] | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.75 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222804824 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.21 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222805435 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.59 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222807570 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.91 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222808372 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1380.25 | $4906.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.595% | 19.595% | 19.595% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1380.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 91.82 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222835671 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2542.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.310% | 27.310% | 27.310% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.16 |  | No | No | [Redact] | [Redact] | $0.00 |
| 222836405 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1790.00 | $1393.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.007% | 24.869% | 30.007% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.27 |  |  | No | [Redact] | $0.00 | [Redact] |
| 222836621 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2471.00 | $3923.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.062% | 47.062% | 47.062% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2471.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.16 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222836627 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.57 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222861292 | [Redact] | [Redact] |  | Exempt from ATR |  |  |  | No | No | $30345.00 | $41112.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.960% | 49.960% | 49.960% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $30345.00 |  | [Redact] | $41000.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.92 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222861295 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.56 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222862302 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 280.49 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222862305 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18400.98 | $21151.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.270% | 29.270% | 29.270% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18400.98 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.84 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222864852 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 98 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 118.96 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222864883 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1655.25 | $2035.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Self-Employed |  | 25.18 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.195% | 32.195% | 32.195% | [Redact] | 793 | 795 | 781 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1655.25 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 235.63 |  | No | No | [Redact] | [Redact] | $0.00 |
| 222864988 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 378.64 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222866759 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.64 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222872725 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.12 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222890060 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.928% | 33.928% | 33.928% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.000% | No | 35 | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.89 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222892078 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.21 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222892267 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.6 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222892412 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 246.38 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222893741 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $5677.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.467% | 28.888% | 30.467% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.86 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222894210 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.24 | 0.45 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 187.84 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222894319 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2275.00 | $6443.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.560% | 14.560% | 14.560% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2275.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 381.18 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 222894632 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9981.30 | $4634.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.104% | 27.104% | 27.104% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9981.30 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.6 |  |  | No | [Redact] | [Redact] | $0.00 |
| 222894822 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.05 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222895461 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12520.00 | $14156.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.184% | 30.845% | 34.184% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12520.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.66 | Retail |  | No | [Redact] | [Redact] | $0.00 |
| 222895479 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 42.57 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222903628 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] | 97.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.12 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222904454 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 113.4 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222904664 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.42 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222904666 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.09 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222904676 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 91.39 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222904684 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.79 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222904685 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.2 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222904687 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.45 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222904688 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.44 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222904695 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 721 |  |  |  | 668 | 653 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Member |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 33.5 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222905502 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $12342.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.831% | 25.831% | 25.831% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 3 | 3 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 362.83 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 222906465 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 186.41 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222907503 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4627.50 | $9541.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.320% | 28.320% | 28.320% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4627.50 |  | [Redact] | $17000.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 379.52 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222907566 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9345.00 | $888.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.094% | 47.094% | 47.094% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9345.00 |  | [Redact] | $25000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.000% | No | 25 | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.09 |  | No | No | [Redact] | [Redact] | [Redact] |
| 222916237 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $19420.70 | $7174.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.463% | 24.463% | 24.463% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19420.70 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.31 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222916958 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $13325.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 8 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13325.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.28 | 0.44 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 90.75 |  |  | No |  | $0.00 | $0.00 |
| 222916969 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.9 |  |  | Yes |  | $0.00 | $0.00 |
| 222917065 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1690.00 | $4977.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.927% | 35.927% | 35.927% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1690.00 |  | [Redact] | $11500.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.35 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222917228 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $20309.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.058% | 29.058% | 29.058% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 89.000% | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 226.71 |  | Yes | No | [Redact] | [Redact] | [Redact] |
| 222922330 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $13425.00 | $7597.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.562% | 12.562% | 12.562% | [Redact] | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13425.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.08 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222922331 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $19425.00 | $23804.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.983% | 20.983% | 20.983% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19425.00 |  | [Redact] | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.37 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222922582 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $24375.00 | $7549.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.666% | 33.666% | 33.666% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $24375.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.6 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222924293 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7640.00 | $10186.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 4.02 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.268% | 45.268% | 45.268% | [Redact] | 749 | 741 | 749 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7640.00 |  | [Redact] | $0.00 |  | LP / LPA |  | Caution/Ineligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 25 |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 54.48 |  | No | No | [Redact] | [Redact] | [Redact] |
| 222927018 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.23 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222928305 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2376.38 | $3468.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.133% | 46.133% | 46.133% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2376.38 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.000% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.7 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222928483 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $33918.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $33918.75 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.85 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222929608 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4912.00 | $7603.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.715% | 34.715% | 34.715% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4912.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 4 | 2 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.28 |  |  | No | [Redact] | $0.00 | [Redact] |
| 222931864 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.59 | 0.28 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.06 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222933431 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $39760.60 | $7186.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.485% | 21.485% | 21.485% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $39760.60 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.35 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 222934104 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5627.6 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222934105 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5627.6 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222934106 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5649.1 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222934107 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5627.57 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222934108 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5649.1 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222934109 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5631.91 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222952979 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5640.00 | $10061.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.119% | 36.119% | 36.119% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 297.2 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222954467 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 | 773 | 735 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 36.4 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222959643 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $22296.08 | $7386.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.284% | 36.284% | 36.284% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22296.08 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 243.84 |  | No | No | [Redact] | $0.00 | [Redact] |
| 222959705 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4005.35 | $5402.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.326% | 32.326% | 32.326% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4005.35 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.75 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222960077 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.24 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960089 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.32 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960090 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] |  |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.51 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960091 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 3.6 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.2 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960092 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.6 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960095 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.66 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960102 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.5 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 53.24 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960108 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.6 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.86 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960111 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.64 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960112 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 116.75 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960114 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.14 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960119 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.24 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960124 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 76.87 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960128 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.22 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960131 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.88 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960137 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 80.24 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960139 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.93 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960141 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.5 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.85 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960151 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.26 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960160 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.29 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960162 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.73 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960164 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.47 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960166 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.4 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 30.62 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960168 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.15 |  |  |  | [Redact] | $0.00 | $0.00 |
| 222960967 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.28 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960974 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 76.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.11 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222960977 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 41.31 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960979 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.79 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960980 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.57 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960981 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.4 | Retail |  | Yes |  | $0.00 | $0.00 |
| 222960987 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Yes | 95.59 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960992 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.97 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960993 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor | LLC | Authorized Signor |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 345.51 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222960994 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 13.95 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961000 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 311.2 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961002 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.44 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961003 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.54 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961004 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.73 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961005 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 452.2 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961006 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.55 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961007 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 309.09 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961009 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 54.54 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961010 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 57.04 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961011 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 27.81 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961013 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 201.95 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 222961380 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.71 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222961566 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 63.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.46 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222969083 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $18374.30 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18374.30 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 80.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 234.09 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222969088 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $10000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 94.61 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222969089 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $6426.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6426.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.48 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222969090 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $7875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7875.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.37 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222969093 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $6264.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6264.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.47 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222971372 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3983.60 | $7610.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.088% | 40.088% | 40.088% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3983.60 |  | [Redact] | $2500.00 | 2.7 | DU |  | ApproveEligible | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.04 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222972155 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4975.25 | $14790.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.375% | 37.375% | 37.375% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4975.25 |  | [Redact] | $75300.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 500.9 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222973544 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 89.22 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222974143 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.99 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222974146 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $5040.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | [Redact] | $5040.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 15.75 |  |  | No |  | $0.00 | $0.00 |
| 222974147 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $21525.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 9 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $21525.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.46 |  |  | No | [Redact] | $0.00 | $0.00 |
| 222974154 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.43 |  |  | Yes |  | $0.00 | $0.00 |
| 222974156 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $1316.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $1316.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.44 |  |  | No |  | $0.00 | $0.00 |
| 222974159 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $5800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $5800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 91.7 |  |  | Yes |  | $0.00 | $0.00 |
| 222974160 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 120.15 |  |  | Yes |  | $0.00 | $0.00 |
| 222974161 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $6600.00 | $5510.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6600.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.34 |  |  | No |  | $0.00 | $0.00 |
| 222974162 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $19500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | Yes |  | [Redact] | $19500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 43.99 |  |  | No |  | $0.00 | $0.00 |
| 222974168 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $13200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 62.2 |  |  | No |  | $0.00 | $0.00 |
| 222974169 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $13325.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13325.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.77 |  |  | No |  | $0.00 | $0.00 |
| 222974175 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $3030.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $3030.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 129.45 |  |  | Yes |  | $0.00 | $0.00 |
| 222976794 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1740.00 | $6811.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.419% | 31.375% | 36.419% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 398.67 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222977230 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 641.19 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222977504 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1695.00 | $10347.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.260% | 45.260% | 45.260% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1695.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.22 | Retail |  | No | [Redact] | $0.00 | $0.00 |
| 222982562 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1490.00 | $3213.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.774% | 47.774% | 47.774% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 20.000% | 80.000% |  | [Borrower - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.24 |  |  | No | [Redact] | [Redact] | $0.00 |
| 222983918 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1714.97 | $4802.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.753% | 37.753% | 37.753% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1714.97 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1495.5 |  | No | No | [Redact] | $0.00 | $0.00 |
| 222986494 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15495.00 | $15806.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.350% | 46.350% | 46.350% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 41.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15495.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.88 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223002733 | [Redact] | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.22 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223005499 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $63375.00 | $31568.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.517% | 38.517% | 38.517% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $63375.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.29 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223005511 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3765.00 | $5895.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.267% | 37.267% | 37.267% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3765.00 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.54 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 223005807 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $24245.00 | $33542.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.480% | 43.340% | 49.480% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Housing Allowance]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $24245.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 2 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.65 |  | No | No | [Redact] | [Redact] | [Redact] |
| 223006408 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3078.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.099% | 28.047% | 35.099% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $10000.00 | 3.2 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 58.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 19.21 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223008422 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 86.54 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008423 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.79 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008424 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 314.66 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008425 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.14 | 0.47 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.06 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008426 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.45 | Broker |  | Yes |  | $0.00 | $0.00 |
| 223008427 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 19.06 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008429 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.45 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008430 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 30.39 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008431 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.31 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008432 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 22.11 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008433 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  | No | 387.63 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008434 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  | No | 347.98 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008435 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.71 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008436 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 38.39 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008438 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.04 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008439 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.26 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008440 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 117.22 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008441 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.14 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008442 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 6.62 | Broker |  | Yes |  | $0.00 | $0.00 |
| 223008443 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.64 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008444 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.5 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008445 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.96 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.84 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008446 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | 733 |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 243.84 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008448 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | 733 |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 154.31 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008449 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | 733 |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 154.12 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008450 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | 733 |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 207.27 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008451 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.07 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008452 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Yes | 15.62 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008453 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.27 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008454 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 55.95 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008455 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 23.88 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008456 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 86.68 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008457 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.83 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008458 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 143.51 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008459 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.71 | Retail |  | Yes |  | $0.00 | $0.00 |
| 223008460 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.95 | Retail |  | Yes |  | $0.00 | $0.00 |
| 223008461 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 14.87 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008462 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 8.47 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008463 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.74 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008464 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 228.24 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008465 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 110.13 | Broker |  | Yes |  | $0.00 | $0.00 |
| 223008466 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 66.63 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008467 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 44.72 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008468 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.03 | 0.49 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.16 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008469 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.26 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008470 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Corp | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 117.14 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008472 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 72.82 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008473 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 73.82 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008474 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.46 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008475 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.51 | Retail |  | Yes |  | $0.00 | $0.00 |
| 223008476 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 80.02 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008477 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 116.39 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008479 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 105.63 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008480 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 89.62 | Broker |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008481 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.7 | Retail |  | Yes | [Redact] | $0.00 | $0.00 |
| 223008840 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11210.00 | $10074.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.400% | 41.400% | 41.400% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11210.00 |  | [Redact] | $119900.00 | 1.3 |  |  |  | N/A | No | [Redact] | 2 |  | 3 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.69 | Retail | Yes | No | [Redact] | $0.00 | $0.00 |
| 223011309 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $8599.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8599.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 99.6 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223011317 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $10413.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10413.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.07 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223011928 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8570.00 | $9489.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.659% | 33.659% | 33.659% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8570.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 72.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.48 | Retail | No | No | [Redact] | $0.00 | $0.00 |
| 223012040 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $64615.00 | $16751.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.792% | 35.792% | 35.792% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $64615.00 |  | [Redact] | $13500.00 | 2.8 |  |  |  | N/A | No | [Redact] | 4 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 369.97 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223013879 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16998.40 | $21648.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.497% | 25.497% | 25.497% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16998.40 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.81 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223040985 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $24987.00 | $17497.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $24987.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.82 |  |  | Yes |  | $0.00 | $0.00 |
| 223041000 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1790.00 | $5154.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.456% | 37.456% | 37.456% | [Redact] | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.16 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 223047541 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8642.56 | $10866.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.979% | 49.979% | 49.979% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 93.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8642.56 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.75 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223054291 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7870.00 | $9582.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.440% | 24.440% | 24.440% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7870.00 |  | [Redact] | $2000.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.23 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055686 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $5280.00 | $5825.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 51.067% | 51.067% | 51.067% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5280.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.51 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055687 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $12495.00 | $12827.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.956% | 48.956% | 48.956% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12495.00 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.13 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223055689 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13598.41 | $19744.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.370% | 47.370% | 47.370% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13598.41 |  | [Redact] | $10000.00 | 4.1 | DU |  | ReferWithCaution | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 94.000% | No | 14 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 108.93 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055690 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $20645.00 | $25351.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.544% | 41.420% | 48.544% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 91.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $20645.00 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.22 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055691 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $9569.34 | $11150.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.880% | 11.880% | 11.880% | [Redact] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9569.34 |  | [Redact] | $0.00 | 4.1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.69 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223055692 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $6327.50 | $7724.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.004% | 9.004% | 9.004% |  | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 42.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6327.50 |  | [Redact] | $0.00 | 2.7 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.98 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223055696 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $12166.25 | $14225.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.066% | 12.066% | 12.066% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12166.25 |  | [Redact] | $0.00 | 1.3 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.05 |  | No | No | [Redact] | [Redact] | $0.00 |
| 223055697 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $13979.00 | $9377.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.940% | 47.940% | 47.940% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13979.00 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 2 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 120.12 |  | No | No | [Redact] | $0.00 | [Redact] |
| 223055698 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $14115.00 | $16504.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.124% | 45.124% | 45.124% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $14115.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.3 |  | No | No | [Redact] | [Redact] | $0.00 |
| 223055701 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $11501.18 | $8821.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.549% | 8.549% | 8.549% | [Redact] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11501.18 |  | [Redact] | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.88 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055702 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $27982.50 | $34065.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.033% | 30.033% | 30.033% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27982.50 |  | [Redact] | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.23 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223055735 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $23929.00 | $5419.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.125% | 40.125% | 40.125% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23929.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.63 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 223055736 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 999 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.94 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055738 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.94 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055739 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 60.19 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055741 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2578.94 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055742 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2552.92 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055743 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 999 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2476.97 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055744 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2577.55 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055745 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2516.96 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055746 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2544.78 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055747 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2545.18 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055748 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.23 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055749 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2509.29 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055750 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2509.57 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055751 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 148.27 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055752 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.49 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055756 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 97.73 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055757 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.9 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.15 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055758 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.93 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055759 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 3.3 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.79 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055760 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.66 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055761 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.07 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055762 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.82 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055763 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.6 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 3.22 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055764 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 78.95 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055765 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.17 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055766 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 39.13 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055768 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.3 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.13 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055771 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.94 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055774 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 7.4 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055775 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.7 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.13 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055776 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.5 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 68.83 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055779 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.73 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055780 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 4.8 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.27 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055782 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.78 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055784 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.28 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055785 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.38 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055786 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.69 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055788 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.34 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055789 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 4.6 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0.97 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055790 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.25 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055791 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.37 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055793 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.83 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055795 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 1.35 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055796 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.78 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055797 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.35 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055802 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] | 89.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.6 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055804 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.16 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055805 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.22 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055808 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055809 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055810 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 9.16 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055813 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.83 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055814 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Yes | 124.08 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055815 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.37 | 0.42 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0.02 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055817 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.73 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055818 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.09 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055819 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 3.5 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.09 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223055822 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.29 |  |  |  | [Redact] | $0.00 | $0.00 |
| 223076459 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $7196.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7196.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.04 |  |  | Yes | [Redact] | $0.00 | $0.00 |
| 223076460 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $8000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.52 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223076461 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $6783.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6783.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 92.78 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223076462 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.87 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223076464 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $4830.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4830.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 151.22 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223078902 | [Redact] | [Redact] |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1628.00 | $2991.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.167% | 34.167% | 33.027% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1628.00 |  | [Redact] | $5500.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 34.000% | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.91 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223078903 | [Redact] | [Redact] |  | N/A |  |  |  | No | Yes | $16878.88 | $21808.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.241% | 33.241% | 33.241% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16878.88 |  | [Redact] | $2437.50 |  | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 | 1 | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.59 |  | No | No | [Redact] | [Redact] | $0.00 |
| 223078905 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8265.00 | $13562.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.700% | 22.700% | 22.700% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8265.00 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.69 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223078907 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1399.00 | $4635.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.501% | 49.501% | 49.501% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1399.00 |  | [Redact] | $7000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redact] | [Redact] | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.82 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223078911 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1328.00 | $2632.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.107% | 14.107% | 14.107% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1328.00 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 79.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.98 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223078912 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1310.00 | $2907.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.953% | 32.953% | 32.953% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1310.00 |  | [Redact] | $1000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No | 7 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 225.83 |  | No | No | [Redact] | $0.00 | [Redact] |
| 223095633 | [Redact] | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6928.80 | $7595.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.218% | 35.218% | 35.218% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6928.80 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.61 |  |  | No | [Redact] | [Redact] | $0.00 |
| 223134325 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $3038.00 | $3721.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.433% | 22.433% | 22.433% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3038.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.98 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 223134326 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1688.00 | $2549.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.521% | 27.521% | 27.521% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1688.00 |  | [Redact] | $1593.75 | 2.2 |  |  |  | N/A | No | [Redact] | 1 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 1 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 254.06 |  | Yes | No | [Redact] | $0.00 | [Redact] |
| 223134329 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $2604.60 | $5325.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.530% | 7.530% | 7.530% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2604.60 |  | [Redact] | $10000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 113.79 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 223134331 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.36 |  |  | Yes |  | $0.00 | $0.00 |
| 223134332 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $4275.24 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4275.24 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.03 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223134333 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $3924.37 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3924.37 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.93 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223134335 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $5135.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5135.00 |  | [Redact] | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.34 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223134338 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $6435.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6435.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.9 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223134339 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $9425.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9425.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 207.31 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223134340 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.27 |  |  | No | [Redact] | $0.00 | $0.00 |
| 223170604 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 5 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.51 | 0.4 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.63 |  |  | Yes |  | $0.00 | $0.00 |
| 223170605 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $27000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $27000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.36 |  |  | Yes |  | $0.00 | $0.00 |
| 223170606 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.72 |  |  | Yes |  | $0.00 | $0.00 |
| 223170607 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.36 |  |  | No |  | $0.00 | $0.00 |
| 223170609 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $5580.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $5580.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No | Yes | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 105.37 |  |  | Yes | [Redact] | $0.00 | $0.00 |
| 223170610 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $1012.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1012.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.43 |  |  | No |  | $0.00 | $0.00 |
| 223170612 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $40875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40875.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 60.55 |  |  | No |  | $0.00 | $0.00 |
| 223170614 | [Redact] | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.2 |  |  | Yes |  | $0.00 | $0.00 |
| 223170615 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $31990.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $31990.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.44 |  |  | No |  | $0.00 | $0.00 |
| 223170617 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $33215.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $33215.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 56.93 |  |  | Yes |  | $0.00 | $0.00 |
| 223170634 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14630.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14630.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.62 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.53 |  |  | Yes |  | $0.00 | $0.00 |
| 223170635 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14280.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14280.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.11 | 0.47 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.55 |  |  | Yes |  | $0.00 | $0.00 |
| 223170636 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $21000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $21000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.58 |  |  | Yes |  | $0.00 | $0.00 |
| 223170639 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $21350.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $21350.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.17 |  |  | Yes |  | $0.00 | $0.00 |
| 223170640 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $1356.60 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $1356.60 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 117.17 |  |  | Yes |  | $0.00 | $0.00 |
| 223170647 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14280.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14280.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 70.61 |  |  | No |  | $0.00 | $0.00 |
| 223170648 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14630.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14630.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 73.74 |  |  | Yes |  | $0.00 | $0.00 |
| 223170649 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14630.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14630.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.17 |  |  | Yes |  | $0.00 | $0.00 |
| 223170653 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $14630.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $14630.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.03 | 0.49 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.69 |  |  | Yes |  | $0.00 | $0.00 |
| 223182722 | [Redact] | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8672.80 | $16084.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.278% | 9.278% | 9.278% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8672.80 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.8 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223186091 | [Redact] | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12269.78 | $12941.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.838% | 31.838% | 31.838% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $12269.78 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 3 | 2 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 37.000% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.52 |  | No | No | [Redact] | $0.00 | [Redact] |
| 223223952 | [Redact] | [Redact] |  | N/A |  |  |  | No | No | $5565.44 | $4588.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.763% | 30.763% | 30.763% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5565.44 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.49 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223363771 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $21018.17 | $28271.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.451% | 11.451% | 11.451% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21018.17 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.25 |  | Yes | No | [Redact] | $0.00 | $0.00 |
| 223363776 | [Redact] | [Redact] |  | N/A |  |  |  | No | Yes | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.151% | 43.151% | 43.151% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] |  |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.16 |  | No | No | [Redact] | $0.00 | $0.00 |
| 223367493 | [Redact] | [Redact] |  | Non QM |  |  |  | Yes | No | $1050.00 | $2089.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.493% | 23.493% | 23.493% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1050.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 7.99 |  | No | No | [Redact] | [Redact] | $0.00 |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2025-NQM4**

**By Clarifii LLC on June 02, 2025**

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| **Christine Aug** | **Jason Luttenberger** |
| &nbsp;&nbsp;&nbsp;&nbsp;Vice President of Due Diligence | &nbsp;&nbsp;&nbsp;&nbsp;Chief Operating Officer |
| &nbsp;&nbsp;&nbsp;&nbsp;Phone: 813.735.4487 | &nbsp;&nbsp;&nbsp;&nbsp;Phone: 917.742.7797 |
| &nbsp;&nbsp;&nbsp;&nbsp;E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp;&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 62 Loans (the "Loans") originated by a correspondent lender and acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates (the "Client") for the MSRM 2025-NQM4 transaction. The Loans referenced in this narrative report were reviewed between 01/2025 to 05/2025 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;3 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$1618800.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;$2153175.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;55 | &nbsp;&nbsp;88.71% | &nbsp;&nbsp;$24995229.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

The Review consisted of a population of 62 Loans, with an aggregate principal balance of $28,767,204.00.

**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.

**LOAN SAMPLING**

The Clients 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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](ex993001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Clients 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;Application Date |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraisal Date |
| &nbsp;&nbsp;Primary Appraisal Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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**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 Clients, 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

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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● **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

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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● **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** 

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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**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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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● **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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

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● **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).

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

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– 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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

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

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

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

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

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

● **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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

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**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)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

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**INDEPENDENT THIRD-PARTY VALUES**

Clarifii 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 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 or Broker Price Opinion 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.

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA 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 table below summarizes 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%**<br> **Variance to OA or**<br> **Confidence < 80%** | &nbsp;&nbsp;**Number of Files**<br> **within -10% of OA**<br> **or Acceptable UCDP**<br> **Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &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 and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 |
| &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 |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

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**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, 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** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**Credit Event Grade** 

---

| | |
|:---|:---|
| &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 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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

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

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](ex993001.jpg)

**Compliance Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &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 missing, 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. |

---

**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 Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;79.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;20.97% |
| &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;**62** | &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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](ex993001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;83.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;16.13% |
| &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;**62** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.61% |
| &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;**62** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;95.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.84% |
| &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;**62** | &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;Fixed | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$28767204.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](ex993001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;18 | &nbsp;&nbsp;29.03% | &nbsp;&nbsp;$14566543.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;$1768000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;40 | &nbsp;&nbsp;64.52% | &nbsp;&nbsp;$12432661.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;34 | &nbsp;&nbsp;54.84% | &nbsp;&nbsp;$10535993.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;28 | &nbsp;&nbsp;45.16% | &nbsp;&nbsp;$18231211.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$28767204.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;$2192154.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;58 | &nbsp;&nbsp;93.55% | &nbsp;&nbsp;$26575050.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28767204.00** |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](ex993001.jpg)

**DATA COMPARE RESULTS**

Clarifii provided Clients 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**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**Accuracy%** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;50 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;51 | &nbsp;&nbsp;68.63% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;19 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;48 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Insurance Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;97.37% |
| &nbsp;&nbsp;Primary Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Primary Appraisal Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;52 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;48 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;61 | &nbsp;&nbsp;93.44% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;61 | &nbsp;&nbsp;98.36% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;61 | &nbsp;&nbsp;96.72% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;52 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;12 | &nbsp;&nbsp;40 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;51 | &nbsp;&nbsp;72.55% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |

---

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](ex993001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement
Data Extract

&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.*

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](ex993001.jpg)

*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.

MSRM 2025-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 493880 | XXXX D B A | Closed | FCRE1325 | 2025-01-16 14:07 | 2025-01-31 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-business operating agreement provided confirming 50% owner. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. please find the borrower with percentages. along with cpa letter already attached. - Seller-01/29/2025 <br>Counter-CPA letter provided does reflect ownership percentage. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. please find the CPA letter for review. - Seller-01/22/2025 <br>Open-Borrower 1 CPA Letter Missing Tax preparer letter does not confirm borrowers percentage of ownership and unable to determine ownership percentage from the entity docs provided. Per business narrative ownership is 50%. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. please find the borrower with percentages. along with cpa letter already attached. - Seller-01/29/2025 <br>Ready for Review-Document Uploaded. please find the CPA letter for review. - Seller-01/22/2025<br>| Resolved-business operating agreement provided confirming 50% owner. - Due Diligence Vendor-01/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753>700<br>Long term residence - 8 years at current residence. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3223815 |
| XXXX | 493880 | XXXX D B A | Closed | FCRE8201 | 2025-01-16 14:38 | 2025-01-30 14:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Exception is approved, XXXX does not required signatures on exceptions, Please clear finding. - Seller-01/29/2025 <br> Counter-Provide an Lender Approved Exception. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Exception uploaded for review. - Seller-01/22/2025 <br> Open-Seasoning for cash out not met (paid off delinquent taxes of XXXX). Title transferred from builder/lender XXXX-5 months seasoning and 12 months seasoning required. - Due Diligence Vendor-01/16/2025 | Ready for Review-Exception is approved, XXXX does not required signatures on exceptions, Please clear finding. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. Exception uploaded for review. - Seller-01/22/2025 | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753>700<br>Long term residence - 8 years at current residence. | FICO: 753<br> LTV: 37%<br> DTI: 4%/37% | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3224315 |
| XXXX | 493880 | XXXX D B A | Closed | FCRE1506 | 2025-01-16 14:26 | 2025-01-23 17:10 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 12 month Bank Statements. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. uploaded the 12 month bank stmts - Seller-01/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 months business bank statements. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. uploaded the 12 month bank stmts - Seller-01/22/2025<br>| Resolved-Received 12 month Bank Statements. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753>700<br>Long term residence - 8 years at current residence. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3224144 |
| XXXX | 493880 | XXXX D B A | Closed | FCRE1342 | 2025-01-16 14:07 | 2025-01-23 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received borrower 1 Business Bank Statements. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. please find the 12 mo bank stmts. - Seller-01/22/2025 <br>Open-Borrower 1 Business Bank Statements Missing Missing 12 months business bank statements considered for income. Additional conditions may apply. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. please find the 12 mo bank stmts. - Seller-01/22/2025<br>| Resolved-Received borrower 1 Business Bank Statements. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 753>700<br>Long term residence - 8 years at current residence. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3223814 |
| XXXX | 504156 | XXXX C B A | Closed | FCRE0068 | 2025-01-28 15:13 | 2025-05-27 12:01 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Credit exception form uploaded, please clear condition. - Seller-02/03/2025 <br> Counter-Provide a Lender Exception Approval with compensating Factors from XXXX . - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Credit exception for the minimum equity has been uploaded, please clear condition. - Seller-01/30/2025 <br> Open-Remaining equity is less than XXXX which does not meet guideline requirement. Verified missing exception request for this - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Credit exception form uploaded, please clear condition. - Seller-02/03/2025 <br>Ready for Review-Document Uploaded. Credit exception for the minimum equity has been uploaded, please clear condition. - Seller-01/30/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 762 credit score<br>Months Reserves exceed minimum required - Client has over 40 mos of reserves | 76.43% LTV < 90% maximum allowed. <br> 762 FICO > 600 minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 3300475 |
| XXXX | 504156 | XXXX C B A | Closed | finding-3436 | 2025-01-23 19:40 | 2025-01-30 10:04 | Resolved | 1 - Information A | Compliance | Points & Fees | GSE (Fannie Mae public guidelines) QM Points and Fees Test | Resolved-Fired in error - Due Diligence Vendor-01/30/2025 <br> Open-This loan failed the QM points and fees test. (XXXX)The loan is subject to the ability to repay requirements under XXXX, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Fannie Mae. Does not apply - Due Diligence Vendor-01/24/2025 |  | Resolved-Fired in error - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 762 credit score<br>Months Reserves exceed minimum required - Client has over 40 mos of reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3272374 |
| XXXX | 504156 | XXXX C B A | Closed | finding-3441 | 2025-01-23 19:40 | 2025-01-30 10:04 | Resolved | 1 - Information A | Compliance | Points & Fees | GSE (Freddie Mac public guidelines) QM Points and Fees Test | Resolved-Fired in error - Due Diligence Vendor-01/30/2025 <br> Open-This loan failed the QM points and fees test. (XXXX)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Freddie Mac. Does not apply - Due Diligence Vendor-01/24/2025 |  | Resolved-Fired in error - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 762 credit score<br>Months Reserves exceed minimum required - Client has over 40 mos of reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3272377 |
| XXXX | 504156 | XXXX C B A | Closed | finding-3800 | 2025-01-23 19:40 | 2025-01-30 10:04 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Fired in error - Due Diligence Vendor-01/30/2025 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXXX or more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is XXXX, which exceeds XXXX; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is XXXX, which exceeds 5 percent of the total loan amount of XXXX; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is XXXX, which exceeds XXXX; orThe loan amount is less than XXXX and the transaction's total points and fees is XXXX, which exceeds 8 percent of the total loan amount of XXXX. Does not apply - Due Diligence Vendor-01/24/2025 |  | Resolved-Fired in error - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 762 credit score<br>Months Reserves exceed minimum required - Client has over 40 mos of reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3272378 |
| XXXX | 512179 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 512180 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 513100 | XXXX D A | Closed | FCRE8224 | 2025-02-06 18:21 | 2025-05-27 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating agreement. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. operating agreement - Seller-02/10/2025 <br>Open- - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. operating agreement - Seller-02/10/2025<br>| Resolved-Received Operating agreement. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - 16.25 mos reserves; 3 mos required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.03<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 717 credit score; 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3371231 |
| XXXX | 513100 | XXXX D A | Closed | FCRE8700 | 2025-02-06 18:20 | 2025-02-11 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received Business Documentation. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please find the Op agreement and filing. - Seller-02/10/2025 <br> Open-Missing for XXXX - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please find the Op agreement and filing. - Seller-02/10/2025<br>| Resolved-Received Business Documentation. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - 16.25 mos reserves; 3 mos required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.03<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 717 credit score; 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3371228 |
| XXXX | 514404 | XXXX C B A | Closed | FCRE1498 | 2025-02-06 15:49 | 2025-02-21 10:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator provided a waiver for investor experience, applied to non material finding with comp factors - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. exception approval uploaded - Seller-02/19/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Proof borrower is not a First-Time investor is defined as a borrower who has not owned at least one investment property for a minimum of twelve months anytime during the most recent 36 months. DSCR <1<br> - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. exception approval uploaded - Seller-02/19/2025<br>| Waived-Originator provided a waiver for investor experience, applied to non material finding with comp factors - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score 754 is 20+ points above 660 minimum<br>LTV is less than guideline maximum - 63.87 LTV is less than 75 guideline maximum | Approved with no hit. Compensating factors used: Credit score is > 10 points above minimum for tier, and LTV is > 10 points below maximum for tier. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 3369555 |
| XXXX | 514405 | XXXX D A | Closed | FCRE1202 | 2025-02-06 13:15 | 2025-02-14 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Document Uploaded. clear for closed with LOX from underwriter. - Due Diligence Vendor-02/14/2025 <br> Counter-Received LDP, however we are missing the documentation to support the closer has cleared the EPLS/SAM - Due Diligence Vendor-02/13/2025 <br> Ready for Review-hello attached is the LDP - Seller-02/11/2025 <br> Counter-The Closer XXXX is not cleared on document received . Need documentation to support reason for clear. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Hello <br>The closer is listed on the ldp/gsa that is in the efolder <br> - Seller-02/10/2025 <br> Open-Third Party Fraud Report Partially Provided Missing EPLS/SAM for closer - Due Diligence Vendor-02/06/2025 | Ready for Review-hello attached is the LDP - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. Hello <br>The closer is listed on the ldp/gsa that is in the efolder <br> - Seller-02/10/2025<br>| Resolved-Document Uploaded. clear for closed with LOX from underwriter. - Due Diligence Vendor-02/14/2025<br>| DSCR % greater than 1.20 - 1.464 DSCR exceeds minimum of 1. <br>Months Reserves exceed minimum required - 28 months of reserves exceed 6 month minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3367538 |
| XXXX | 514405 | XXXX D A | Closed | FCRE1510 | 2025-02-05 14:19 | 2025-02-12 07:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-recording fee collected on the HUD. - Due Diligence Vendor-02/12/2025 <br>Counter-Example provided does not support subject copy of Mortgage Deed in file. Deed in file does not reflect recorded or sent to recording. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. hello , below is a example on how the deed on DE are recorded this is as is and our deed is printed out that way for the recording to be done on that side of the 1st page of deed. - Seller-02/10/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. No explicit statement about sending to record, just "Space Above for Recorder's Use" - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. hello , below is a example on how the deed on DE are recorded this is as is and our deed is printed out that way for the recording to be done on that side of the 1st page of deed. - Seller-02/10/2025<br>| Resolved-recording fee collected on the HUD. - Due Diligence Vendor-02/12/2025<br>| DSCR % greater than 1.20 - 1.464 DSCR exceeds minimum of 1. <br>Months Reserves exceed minimum required - 28 months of reserves exceed 6 month minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3358589 |
| XXXX | 514405 | XXXX D A | Closed | FCRE0008 | 2025-02-10 11:07 | 2025-02-11 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received the revised Tape reflecting PPP as yes. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Tape is showing PPP flag - Seller-02/10/2025 <br>Open-Note shows prepayment penalty but tape states N/A. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Tape is showing PPP flag - Seller-02/10/2025<br>| Resolved-Received the revised Tape reflecting PPP as yes. - Due Diligence Vendor-02/11/2025<br>| DSCR % greater than 1.20 - 1.464 DSCR exceeds minimum of 1. <br>Months Reserves exceed minimum required - 28 months of reserves exceed 6 month minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3386045 |
| XXXX | 517080 | XXXX C B A | Closed | FCRE1198 | 2025-02-11 14:06 | 2025-02-11 15:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.48 month(s) are less than Guideline Required Reserves of 6 month(s) lacking required 6 mo's reserves. <br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/11/2025 <br>Open-Audited Reserves of 4.48 month(s) are less than Guideline Required Reserves of 6 month(s) lacking required 6 mo's reserves. <br> Originator exception in file, but is not signed. No comp factors provided. - Due Diligence Vendor-02/11/2025 |  | Waived-Audited Reserves of 4.48 month(s) are less than Guideline Required Reserves of 6 month(s) lacking required 6 mo's reserves. <br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/11/2025<br>| Qualifying DTI below maximum allowed - MAx DTI 43% closed below 40%<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualified with a 781 credit score | Score is 781 vs min required of 700<br> DTI is 34% vs max required of 43% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3399902 |
| XXXX | 517081 | XXXX C B A | Closed | FPRO1257 | 2025-02-11 15:27 | 2025-02-19 12:13 | Waived | 2 - Non-Material C B | Property | Value | Primary Property Value is not Substantiated | Waived-Document Uploaded. Originator waiver applied to non material finding. - Due Diligence Vendor-02/19/2025 <br> Counter-In order for us to clear/waive this condition, documentation to support management approval will need to added to the loan file. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/13/2025 <br> Open-Home purchased XXXX for XXXX cash out of over XXXX - per lender guides-Any transaction that provides cash out in excess of the actual borrower outlay will require Management approval. pg 127- no management exception in file - Due Diligence Vendor-02/11/2025 | Ready for Review-The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/13/2025<br>| Waived-Document Uploaded. Originator waiver applied to non material finding. - Due Diligence Vendor-02/19/2025<br>| DSCR % greater than 1.20 - DSCR is 1.24<br>Qualifying FICO score is at least 20 points above minimum for program - MIN 720 client qualified with a 760 | MIN 720 client qualified with a 760<br> DSCR is 1.24 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3400958 |
| XXXX | 517083 | XXXX D A | Closed | FCRE1506 | 2025-02-12 08:25 | 2025-02-20 16:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Divorce Decree supporting that the ex was awarded the properties. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/12/2025 | Ready for Review-The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025<br>| Resolved-Received Divorce Decree supporting that the ex was awarded the properties. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 634 is higher than the required 600 |  |  | 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 | 3405168 |
| XXXX | 517083 | XXXX D A | Closed | FCRE1440 | 2025-02-12 08:29 | 2025-02-20 16:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Divorce Decree supporting that the ex was awarded the properties. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide documentation that supports the other REOs on the credit report and not reporting on the loan application - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025<br>| Resolved-Received Divorce Decree supporting that the ex was awarded the properties. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 634 is higher than the required 600 |  | 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 | 3405206 |
| XXXX | 517083 | XXXX D A | Closed | FCRE8887 | 2025-02-20 09:15 | 2025-02-20 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Document Uploaded. Client responded Document Uploaded. 2/19/2025 UW advised the properties were given to the ex-wife through the divorce. Response to Clarifii: The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. This condition has been resolved due to the documents client provided)divorce decree showing ex has been award property) - Due Diligence Vendor-02/20/2025 <br>Open-The Final 1003 is Incomplete Provide documentation that supports the other REOs on the credit report and not reporting on the loan application - Due Diligence Vendor-02/20/2025 |  | Resolved-Document Uploaded. Client responded Document Uploaded. XXXX UW advised the properties were given to the ex-wife through the divorce. Response to XXXX: The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. This condition has been resolved due to the documents client provided)divorce decree showing ex has been award property) - Due Diligence Vendor-02/20/2025 | LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 634 is higher than the required 600 |  | 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 | 3453361 |
| XXXX | 517083 | XXXX D A | Closed | FCOM1233 | 2025-02-12 08:30 | 2025-02-20 09:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Compliance condition- fired a credit condition in place of this one. Resolved - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. XXXX UW advised the properties were given to the ex-wife through the divorce. Response to Clarifii: The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025 <br> Open-The Final 1003 is Incomplete Provide documentation that supports the other REOs on the credit report and not reporting on the loan application - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. XXXX UW advised the properties were given to the ex-wife through the divorce. Response to Clarifii: The mortgages in question were moved to the liabilities and not counted because they were awarded to the ex-wife in the divorce. A copy of the divorce decree has been uploaded. Please clear condition. - Seller-02/19/2025 | Resolved-Compliance condition- fired a credit condition in place of this one. Resolved - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 65% is lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 634 is higher than the required 600 |  | 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 | 3405207 |
| XXXX | 517084 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 518049 | XXXX C A | Closed | FCRE1159 | 2025-02-12 13:22 | 2025-02-19 16:00 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. No gap in coverage. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. HOI with coverage from XXXX has been uploaded, please clear condition. - Seller-02/14/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide the corrected HOI policy since the Note was date XXXX. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. HOI with coverage from XXXX has been uploaded, please clear condition. - Seller-02/14/2025 | Resolved-Received prior policy. No gap in coverage. - Due Diligence Vendor-02/19/2025<br>| LTV is less than guideline maximum - LTV 71.35% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 802 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3409017 |
| XXXX | 518050 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 518051 | XXXX C A | Closed | finding-3532 | 2025-02-10 09:57 | 2025-02-18 12:22 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower's acknowledgement of CD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. A copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/14/2025 <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:"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. ..Provide evidence that Initial CD dated XXXX was received by borrower three days prior to consummation date of XXXX. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. A copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/14/2025 | Resolved-Rec'd borrower's acknowledgement of CD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/18/2025 | Qualifying DTI below maximum allowed - DTI allowed to 43% closed at < 20% DTI<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Required $1500/mo residual income client has over $20k per month |  | 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 | 3385186 |
| XXXX | 519127 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 519128 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 519375 | XXXX C A | Closed | FCRE1509 | 2025-02-11 12:22 | 2025-02-20 16:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received the PPP Addendum. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. note with ppp addendum - Buyer-02/14/2025 <br>Open-There are Issues Present on the Note that must be addressed. -----Note states there should be a Prepayment Addendum attached and there is no Prepayment Addendum to note in the file. - Due Diligence Vendor-02/11/2025 |  | Resolved-Received the PPP Addendum. - Due Diligence Vendor-02/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 114.23 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 749. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3398171 |
| XXXX | 519375 | XXXX C A | Closed | FCRE1510 | 2025-02-11 12:28 | 2025-02-18 12:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received copy of the PPP Rider. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. Mortgage with ppp rider. (Uploaded as a batch condition doc because it will not loan attached to condition.) - Buyer-02/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----DOT states there should be a Prepayment Rider attached and there is not a Prepayment Rider in the file. Legal description also missing. - Due Diligence Vendor-02/11/2025 |  | Resolved-Received copy of the PPP Rider. - Due Diligence Vendor-02/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 114.23 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 749. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3398275 |
| XXXX | 521246 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 521248 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 521250 | XXXX C A | Closed | FCRE7011 | 2025-02-13 09:19 | 2025-02-18 11:36 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review .HOI policy in file reflects Rent loss,nothing further required. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. haz ins remarks shows that rental dwelling is included in cov, please clear findings. - Seller-02/14/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. HOI Policy has no rent loss coverage and is required. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. haz ins remarks shows that rental dwelling is included in cov, please clear findings. - Seller-02/14/2025<br>| Resolved-Upon further review .HOI policy in file reflects Rent loss,nothing further required. - Due Diligence Vendor-02/18/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 743 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3414901 |
| XXXX | 521250 | XXXX C A | Closed | FCRE1510 | 2025-02-11 14:25 | 2025-02-18 11:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary and Riders with signatures and dates. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. please find the signed docs. - Seller-02/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is not signed and Notary is missing as well as all the Riders are not signed. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. please find the signed docs. - Seller-02/14/2025<br>| Resolved-Received Notary and Riders with signatures and dates. - Due Diligence Vendor-02/18/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 743 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3400110 |
| XXXX | 522089 | XXXX D A | Closed | FCRE1157 | 2025-02-14 08:15 | 2025-02-21 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received the Hazard Insurance Policy. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Copy of the hazard insurance policy has been uploaded, please clear condition. - Seller-02/19/2025 <br> Open-Missing Hazard Insurance Policy Provide the Hazard Policy for the subject property. No HOI provided in 1287 pages. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Copy of the hazard insurance policy has been uploaded, please clear condition. - Seller-02/19/2025<br>| Resolved-Received the Hazard Insurance Policy. - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 743 is higher than the required 660.<br>Months Reserves exceed minimum required - Reserves are 40 mo's with min required of 6 mo's. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3423803 |
| XXXX | 522090 | XXXX D A | Closed | FPRO9999 | 2025-02-24 16:39 | 2025-03-04 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received sufficient documentation to confirm case terminated. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-The case log uploaded was showing the case was terminated. please clear findings. - Seller-03/03/2025 <br>Counter-Received case log - Please provided documentation to support the reason for the the lawsuit, if it is against the HOA, Major or minor in Nature, if it's related to safety, structural or functionality, amount of the law suit, and documentation to support the insurance is covering the costs. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. litigation docs - Seller-02/26/2025 <br>Open-\*New\* Received HOA questionnaire indicating the subject is in litigation. Please provided documentation to support the reason for the the lawsuit, if it is against the HOA, Major or minor in Nature, if it's related to safety, structural or functionality, amount of the law suit, and documentation to support the insurance is covering the costs. - Due Diligence Vendor-02/24/2025 | Ready for Review-The case log uploaded was showing the case was terminated. please clear findings. - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. litigation docs - Seller-02/26/2025<br>| Resolved-Received sufficient documentation to confirm case terminated. - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3472659 |
| XXXX | 522090 | XXXX D A | Closed | FCRE5783 | 2025-02-14 15:36 | 2025-02-28 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap report - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. UDM for review. - Seller-02/26/2025 <br>Counter-Per the guidelines - A credit update (UDN or gap report) pulled and analyzed no later than 10 days prior to funding.) - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Inv X gap report is not required please clear findngs. - Seller-02/20/2025 <br>Open-Borrower 2 Gap Credit Report is Missing no gap provided - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. UDM for review. - Seller-02/26/2025 <br>Ready for Review-Inv X gap report is not required please clear findngs. - Seller-02/20/2025<br>| Resolved-Received Gap report - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3428717 |
| XXXX | 522090 | XXXX D A | Closed | FCRE5782 | 2025-02-14 11:36 | 2025-02-28 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. UDM for review. - Seller-02/26/2025 <br>Counter-Per the guidelines - A credit update (UDN or gap report) pulled and analyzed no later than 10 days prior to funding.) - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Inv X gap report is not required please clear findngs. - Seller-02/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing no gap provided - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. UDM for review. - Seller-02/26/2025 <br> Ready for Review-Inv X gap report is not required please clear findngs. - Seller-02/20/2025 | Resolved-Received Gap report - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3426030 |
| XXXX | 522090 | XXXX D A | Closed | FCRE1241 | 2025-02-14 10:59 | 2025-02-24 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. PC for review. please clear findings. - Seller-02/20/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase agreement for the subject property - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. PC for review. please clear findings. - Seller-02/20/2025<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-02/24/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3425536 |
| XXXX | 522090 | XXXX D A | Closed | FPRO1255 | 2025-02-14 10:59 | 2025-02-24 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. HOA documentation. - Seller-02/20/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. No HOA Questionnaire was provided - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. HOA documentation. - Seller-02/20/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/24/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3425537 |
| XXXX | 522090 | XXXX D A | Closed | FCRE1316 | 2025-02-14 11:28 | 2025-02-24 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. VOE for review. please clear the findings - Seller-02/20/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. VOE for review. please clear the findings - Seller-02/20/2025<br>| Resolved-Received VVOE for B1. - Due Diligence Vendor-02/24/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3425918 |
| XXXX | 522090 | XXXX D A | Closed | FCRE1345 | 2025-02-14 11:28 | 2025-02-24 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Lease Agreement. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. lease uploaded - Seller-02/20/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreements that are being used to offset the REO payments for REO XXXX AND XXXX - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. lease uploaded - Seller-02/20/2025<br>| Resolved-Received Lease Agreement. - Due Diligence Vendor-02/24/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3425919 |
| XXXX | 522090 | XXXX D A | Closed | FCRE1491 | 2025-02-14 11:46 | 2025-02-24 16:22 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Fidelity statement. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. please find the assets - Seller-02/20/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Provide the Retirement assets being used to cover cash to close and Reserves. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. please find the assets - Seller-02/20/2025<br>| Resolved-Received Fidelity statement. - Due Diligence Vendor-02/24/2025<br>| Months Reserves exceed minimum required - 11.29 months reserves exceed required 6 by 5.29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3426312 |
| XXXX | 522091 | XXXX C A | Closed | FCRE1506 | 2025-02-14 12:24 | 2025-05-27 09:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/05/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Credit finding - Due Diligence Vendor-02/14/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 21.43 months reserves exceed required 6 by 15.43 months.<br>LTV is less than guideline maximum - LTV 80% is lower than maximum 90% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3426734 |
| XXXX | 522091 | XXXX C A | Closed | FCRE1440 | 2025-02-14 07:07 | 2025-03-05 14:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit report provided with payments through XXXX payments reflected on bank statements provided. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. here is the vom for review. - Seller-03/04/2025 <br> Counter-Received confirmation of mortgage through XXXX and then transferred. Missing VOM from XXXX XXXX supporting 0x30 on mortgage. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. XXXX property mtg was transfered to XXXX, with evidence of XXXX payment. Page 5 of credit report has payment history unil XXXX - Seller-02/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 month payment history for the REO 3A primary not reporting on the credit report - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. here is the vom for review. - Seller-03/04/2025 <br> Ready for Review-Document Uploaded. XXXX property mtg was transfered to XXXX, with evidence of XXXX payment. Page 5 of credit report has payment history unil XXXX - Seller-02/24/2025 | Resolved-Credit report provided with payments through XXXX payments reflected on bank statements provided. - Due Diligence Vendor-03/05/2025 | Months Reserves exceed minimum required - 21.43 months reserves exceed required 6 by 15.43 months.<br>LTV is less than guideline maximum - LTV 80% is lower than maximum 90% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3423369 |
| XXXX | 522091 | XXXX C A | Closed | FCRE5774 | 2025-02-14 07:28 | 2025-02-26 14:35 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received confirmation of zero balance on XXXX and XXXX - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. The payment amounts were to be removed as the broker provided an updated CR showing paid an zero balance. Per guides if not reporting on credit (payment) a 5% would have been used to calculate the payment. - Seller-02/26/2025 <br> Counter-Received Credit report. Please provide documentation to support the monthly payment for XXXX and XXXX as these are not reporting on the credit report or gap report. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. CR uploaded - Seller-02/20/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Provide updated credit report that supports the debts that are being reported on the Application and lenders approval. Current credit report has less debts that being reported by the borrower. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. The payment amounts were to be removed as the broker provided an updated CR showing paid an zero balance. Per guides if not reporting on credit (payment) a 5% would have been used to calculate the payment. - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. CR uploaded - Seller-02/20/2025<br>| Resolved-Received confirmation of zero balance on XXXX and XXXX - Due Diligence Vendor-02/26/2025 | Months Reserves exceed minimum required - 21.43 months reserves exceed required 6 by 15.43 months.<br>LTV is less than guideline maximum - LTV 80% is lower than maximum 90% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3423468 |
| XXXX | 522665 | XXXX C A | Closed | finding-3635 | 2025-02-13 08:55 | 2025-02-18 12:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Uploaded PCCD. - 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 (XXXX) 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 (Endorsement Fee, Wire Transfer Fee, Recording Fee) 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> - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Uploaded PCCD. - Seller-02/18/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/18/2025 | LTV is less than guideline maximum - 28.24% LTV is less than 80% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 745 FICO score is 20+ points above 660 minimum |  | 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 | 3414673 |
| XXXX | 523068 | XXXX D A | Closed | FCRE8887 | 2025-02-18 06:07 | 2025-02-19 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. Final 1003 Uploaded - Buyer-02/18/2025 <br>Open-Final 1003 in file reflects that not all questions on Section 5: Declarations have been completed. - Due Diligence Vendor-02/18/2025 |  | Resolved-Received revised 1003. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 720.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 104.04 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3437087 |
| XXXX | 523069 | XXXX D A | Closed | FCRE8887 | 2025-02-18 07:16 | 2025-02-19 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received the revised 1003. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. Final 1003 Uploaded - Buyer-02/18/2025 <br>Open-Final 1003 in file reflects that Section 5: Declarations is incomplete and some questions have not been answered. - Due Diligence Vendor-02/18/2025 |  | Resolved-Received the revised 1003. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 720.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 107.79 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3437275 |
| XXXX | 523291 | XXXX D A | Closed | FCRE8887 | 2025-02-18 13:56 | 2025-02-21 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, B2 does not have a prior employment history. B2 meets the guidelines requirements to support continuance of employment. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. This is a XXXX loan, ok to use contract and current paystubs, also LOE explaining time on XXXX. please clear - Seller-02/20/2025 <br> Open-Missing two year employment history for B2. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. This is a XXXX loan, ok to use contract and current paystubs, also LOE explaining time on teaching job. please clear - Seller-02/20/2025 | Resolved-Upon further review, B2 does not have a prior employment history. B2 meets the guidelines requirements to support continuance of employment. - Due Diligence Vendor-02/21/2025<br>| LTV is less than guideline maximum - LTV is 59.15% less than 80% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 689 > 660 |  | 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 | 3440678 |
| XXXX | 523291 | XXXX D A | Closed | FCRE1358 | 2025-02-18 14:02 | 2025-02-21 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Upon further review, XXXX pay stub was located in the file and used in lieu of the W-2. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. XXXX LOE and contract uploaded ok per guides, please clear. - Seller-02/20/2025 <br> Open-Missing XXXX W2 for B2. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. XXXX LOE and contract uploaded ok per guides, please clear. - Seller-02/20/2025 | Resolved-Upon further review, XXXX pay stub was located in the file and used in lieu of the W-2. - Due Diligence Vendor-02/21/2025 | LTV is less than guideline maximum - LTV is 59.15% less than 80% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 689 > 660 |  | 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 | 3440738 |
| XXXX | 523292 | XXXX C B A | Closed | finding-3634 | 2025-02-13 15:49 | 2025-05-27 11:08 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Rec'd PCCD issued XXXX, LOE, copy of check in the amount of $100.00 & shipping label. Finding Cured. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached check, PCCD, LOE, and label and clear finding. <br> - Seller-03/19/2025 <br> Counter-Please provide a COC for increase in Transfer/Intangible Tax. Initial LE Transfer Tax is XXXX, Revised LE Transfer Tax is XXXX, corresponding COC states Transfer new amount is XXXX which does not align with LE. Initial CD Transfer Tax/Intangible Taxes total XXXX and Final CD Transfer Tax/Intangible Tax total XXXX - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Transfer tax was disclosed as XXXX on initial Loan Estimate dated XXXX. It was increased to XXXX on LE dated XXXX. Final amount for Transfer Tax was XXXX on Final Signed CD. No cure is required for transfer tax. Please clear finding. - Seller-03/05/2025 <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 (Appraisal Re-inspection Fee) and XXXX (Transfer Tax) 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. Lender credit of $345 is not sufficient. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please see attached check, PCCD, LOE, and label and clear finding. <br> - Seller-03/19/2025 <br> Ready for Review-Transfer tax was disclosed as XXXX on initial Loan Estimate dated XXXX. It was increased to XXXX on LE dated XXXX. Final amount for Transfer Tax was XXXX on Final Signed CD. No cure is required for transfer tax. Please clear finding. - Seller-03/05/2025 | Cured-Rec'd PCCD issued XXXX, LOE, copy of check in the amount of XXXX & shipping label. Finding Cured. - Due Diligence Vendor-05/27/2025 | Qualifying DTI below maximum allowed - DTI 18.71% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 707 is higher than the required 660 |  | 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 | 3419992 |
| XXXX | 523292 | XXXX C B A | Closed | FCRE2244 | 2025-02-18 06:52 | 2025-02-18 11:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/18/2025 <br> Open-Property Issues are identified for the property Exception Approved: Property exceeds the max 10 acres per Appraisal reports XXXX. - Due Diligence Vendor-02/18/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/18/2025<br>| Qualifying DTI below maximum allowed - DTI 18.71% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 707 is higher than the required 660 | Reserves exceed the required 6 months.<br> FICO score 707 |  | 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 | 3437207 |
| XXXX | 523293 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 523294 | XXXX C A | Closed | FCRE1479 | 2025-02-14 11:52 | 2025-02-25 16:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, guidelines do not require. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-This account is a personal account, access letters are only required in our guidelines when the account in question is a business account and borrower owns less than 95% of the business. - Seller-02/23/2025 <br> Counter-Acces letter for XXXX is required , due to he is not on the loan. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-The bank statement shows XXXX OR XXXX which means that both individuals have equal access to the funds in the account, as this signifies a joint bank account where each owner can withdraw money independently. Please clear condition. - Seller-02/19/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Funds access letter from XXXX required. - Due Diligence Vendor-02/14/2025 | Ready for Review-This account is a personal account, access letters are only required in our guidelines when the account in question is a business account and borrower owns less than 95% of the business. - Seller-02/23/2025 <br> Ready for Review-The bank statement shows XXXX OR XXXX which means that both individuals have equal access to the funds in the account, as this signifies a joint bank account where each owner can withdraw money independently. Please clear condition. - Seller-02/19/2025 | Resolved-Upon further review, guidelines do not require. - Due Diligence Vendor-02/25/2025 | Months Reserves exceed minimum required - 280 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowers credit score is 766, Min FICO 620 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3426381 |
| XXXX | 523294 | XXXX C A | Closed | FCRE0044 | 2025-02-14 11:14 | 2025-02-21 14:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, subject is a DSCR and LOE of inquiry is not required, nothing further required. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Loan was approved under the DSCR program, LOE for credit inquiries is not required. Please clear condition.<br> - Seller-02/19/2025 <br>Open-LOX for credit inquiries is missing. Missing Credit inquiry letter. - Due Diligence Vendor-02/14/2025 | Ready for Review-Loan was approved under the DSCR program, LOE for credit inquiries is not required. Please clear condition.<br> - Seller-02/19/2025<br>| Resolved-Upon further review, subject is a DSCR and LOE of inquiry is not required, nothing further required. - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 280 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowers credit score is 766, Min FICO 620 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3425698 |
| XXXX | 523935 | XXXX C A | Closed | FPRO0011 | 2025-02-14 17:30 | 2025-02-27 12:37 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-1004D provided dated after the end date of the disaster. - Due Diligence Vendor-02/27/2025 <br> Counter-Disaster certification or appraisal confirmation no impact to recent disaster required. Findings remain - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Appraisal update completed XXXX which is outside of the incident dates. Please clear condition. - Seller-02/25/2025 <br> Counter-Post Disaster Inspection is required . Appraisal completed XXXX is within the incident period.<br> XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX5 - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Appraisal effective date isXXXX which is after the incident period listed in the exception, please clear condition. - Seller-02/19/2025 <br> XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX-Post disaster inspection required<br> - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Appraisal update completed XXXX which is outside of the incident dates. Please clear condition. - Seller-02/25/2025 <br> Ready for Review-Appraisal effective date is XXXX which is after the incident period listed in the exception, please clear condition. - Seller-02/19/2025 | Resolved-1004D provided dated after the end date of the disaster. - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - Borrower has 15.97 months in reserves 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowers Fico score is 754 min 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3429613 |
| XXXX | 523936 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 523939 | XXXX D B A | Closed | FPRO1255 | 2025-02-19 09:35 | 2025-02-25 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. please find the HOA questionnaire for review. - Seller-02/21/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Cert is missing from file - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. please find the HOA questionnaire for review. - Seller-02/21/2025<br>| Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-02/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.14<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualified with a 729 credit score |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3445425 |
| XXXX | 523939 | XXXX D B A | Closed | FCRE0068 | 2025-02-19 09:35 | 2025-02-19 11:09 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Remaining equity is less than XXXX which does not meet guideline requirement. Equity is XXXX, <br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/19/2025 <br> Open-Remaining equity is less than XXXX which does not meet guideline requirement. Equity is XXXX,<br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/19/2025 |  | Waived-Remaining equity is less than XXXX which does not meet guideline requirement. Equity is XXXX, <br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/19/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.14<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualified with a 729 credit score | 8 mo's reserves with min required of 6 mo's. <br> Score is 729 with min required of 700<br> 84 mo's credit history with 0x30 pay history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3445426 |
| XXXX | 524222 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 524609 | XXXX C A | Closed | FCRE1148 | 2025-02-19 12:45 | 2025-02-21 12:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received the Title Commitment with Title Coverage Amount of XXXX which is sufficient. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Final TP - Buyer-02/20/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement page reflecting final loan amount - Due Diligence Vendor-02/19/2025 |  | Resolved-Received the Title Commitment with Title Coverage Amount of XXXX which is sufficient. - Due Diligence Vendor-02/21/2025 | Months Reserves exceed minimum required - Verified assets of 9.38 months reserves exceed the minimum required of 6 months<br>LTV is less than guideline maximum - LTV of 22.97% is below the maximum of 80% allowed per guidelines. |  | 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 | 3447861 |
| XXXX | 524609 | XXXX C A | Closed | finding-3634 | 2025-02-18 13:18 | 2025-02-20 11:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COCs issued 02/03/25 for increase in Appraisal Fee & COC issued 02/04/25 for increase in fee for reinspection. Finding Resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. COC - Buyer-02/20/2025 <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 (Appraisal Fee and Reinspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/18/2025 |  | Resolved-Rec'd COCs issued XXXX for increase in Appraisal Fee & COC issued XXXX for increase in fee for reinspection. Finding Resolved. - Due Diligence Vendor-02/20/2025 | Months Reserves exceed minimum required - Verified assets of 9.38 months reserves exceed the minimum required of 6 months<br>LTV is less than guideline maximum - LTV of 22.97% is below the maximum of 80% allowed per guidelines. |  | 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 | 3440321 |
| XXXX | 524858 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 524859 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524862 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 524940 | XXXX D A | Closed | FCRE1151 | 2025-02-20 15:26 | 2025-02-25 12:29 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received commitment w/Satisfactory Chain of Title - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-02/21/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 Month Chain of Title - Due Diligence Vendor-02/20/2025 |  | Resolved-Received commitment w/Satisfactory Chain of Title - Due Diligence Vendor-02/25/2025<br>| Months Reserves exceed minimum required - Reserves: 4.99 Min 3<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 762 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3456794 |
| XXXX | 524940 | XXXX D A | Closed | FCRE1145 | 2025-02-20 15:26 | 2025-02-25 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-02/21/2025 <br>Open-Title Document is missing Missing preliminary title report - Due Diligence Vendor-02/20/2025 |  | Resolved-Received commitment - Due Diligence Vendor-02/25/2025<br>| Months Reserves exceed minimum required - Reserves: 4.99 Min 3<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 762 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3456795 |
| XXXX | 524946 | XXXX D A | Closed | FCRE0070 | 2025-02-20 07:47 | 2025-02-26 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-02/21/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 from file. - Due Diligence Vendor-02/20/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 786.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 34.25 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3452763 |
| XXXX | 525437 | XXXX D A | Closed | FCRE0070 | 2025-02-21 10:09 | 2025-03-03 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. 1008 FINAL - Buyer-02/21/2025 <br>Open-Missing Approval/Underwriting Summary UW 1008/approval is required - Due Diligence Vendor-02/21/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460766 |
| XXXX | 525437 | XXXX D A | Closed | FCRE1180 | 2025-02-25 09:56 | 2025-02-27 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Receipt provided to confirm entire premium of XXXX was paid. - Due Diligence Vendor-02/27/2025 <br> Counter-Received duplicate HO6 and CD. CD reflects payment of XXXX to Geico Insurance. Policy reflects premium of XXXX - please clarify. Invoice may be missing or additional premium reduction. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Insurance balance matches Final CD. - Seller-02/26/2025 <br> Counter-Received HO6 policy-annual premium does not match amount paid on final CD. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. EXISTING HAZARD INSURANCE - Seller-02/25/2025 <br> Open-\*New\* HO-6 Insurance Policy is Missing - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Insurance balance matches Final CD. - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. EXISTING HAZARD INSURANCE - Seller-02/25/2025<br>| Resolved-Receipt provided to confirm entire premium of XXXX was paid. - Due Diligence Vendor-02/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3475741 |
| XXXX | 525437 | XXXX D A | Closed | FCRE1173 | 2025-02-21 09:38 | 2025-02-27 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Page 112 and 113 of attached - Seller-02/21/2025 <br>Open-Missing Condo Master Insurance Policy Master Policy not provided - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Page 112 and 113 of attached - Seller-02/21/2025<br>| Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460465 |
| XXXX | 525437 | XXXX D A | Closed | FCRE2244 | 2025-02-25 10:03 | 2025-02-27 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, it does not appear a milestone inspection is required. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. The community was deemed exempt from the XXXX - Buyer-02/27/2025 <br> Open-Property Issues are identified for the property \*New\* Subject is missing required milestone inspection as required by XXXX. Subject was built before XXXX, is of 3 or more units and contains wood/wood-based products, for human occupancy/use - Due Diligence Vendor-02/25/2025 |  | Resolved-Upon further review, it does not appear a milestone inspection is required. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3475798 |
| XXXX | 525437 | XXXX D A | Closed | FCRE7000 | 2025-02-25 10:29 | 2025-02-26 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received amended 1008 reflecting condo type - limited review. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Warranty Condo under Underwriter comments<br> - Buyer-02/25/2025 <br>Open-Missing UW attestation regarding Warrantability. - Due Diligence Vendor-02/25/2025 |  | Resolved-Received amended 1008 reflecting condo type - limited review. - Due Diligence Vendor-02/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3476140 |
| XXXX | 525437 | XXXX D A | Closed | FCRE7497 | 2025-02-21 09:54 | 2025-02-25 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for XXXX. XXXX, purchase was cancelled. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-02/21/2025 <br> Open-Missing documentation of PITIA for REO XXXX & XXXX. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-02/21/2025<br>| Resolved-Received PITIA for XXXX. XXXX, purchase was cancelled. - Due Diligence Vendor-02/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460612 |
| XXXX | 525437 | XXXX D A | Closed | FCRE1201 | 2025-02-21 09:56 | 2025-02-25 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. XXXX - Buyer-02/21/2025 <br> Open-Missing Third Party Fraud Report Fraud report is required - Due Diligence Vendor-02/21/2025 |  | Resolved-Received Fraud Report - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460630 |
| XXXX | 525437 | XXXX D A | Closed | FCRE1204 | 2025-02-25 10:08 | 2025-02-25 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Documentation was provided to support the alerts were addressed. - Due Diligence Vendor-02/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/25/2025 |  | Resolved-Documentation was provided to support the alerts were addressed. - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3475865 |
| XXXX | 525437 | XXXX D A | Closed | FPRO1242 | 2025-02-21 09:31 | 2025-02-25 10:03 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. APPRAISAL - Seller-02/21/2025 <br> Open-Appraisal is Missing Missing appraisal prepared XXXX - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. APPRAISAL - Seller-02/21/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460382 |
| XXXX | 525437 | XXXX D A | Closed | FPRO1255 | 2025-02-21 09:39 | 2025-02-25 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Condo cert - Seller-02/21/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Questionnaire is required. A structural inspection is also required if applicable. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Condo cert - Seller-02/21/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3460483 |
| XXXX | 525437 | XXXX D A | Closed | FPRO0008 | 2025-02-21 10:32 | 2025-02-25 10:03 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. CONDO CERT - Buyer-02/21/2025 <br>Open-The Condo Project Warrantability is Unable to Determined. Missing appraisal and condo questionnaire - Due Diligence Vendor-02/21/2025 |  | Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 750 fico, 660 required<br>Months Reserves exceed minimum required - 2474 months reserves, 6 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3461024 |
| XXXX | 525667 | XXXX C B A | Closed | FCRE1440 | 2025-02-21 06:12 | 2025-02-21 07:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender Exception in file for borrower residing rent free. - Due Diligence Vendor-02/21/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 113.07 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 776. | 6 months reserves greater than the program requirement.<br> FICO 20+ points greater than program requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3459329 |
| XXXX | 525766 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 525767 | XXXX C B A | Closed | FCRE1198 | 2025-02-20 15:55 | 2025-02-20 16:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.62 month(s) are less than Guideline Required Reserves of 6 month(s) Reserves < required 6 months<br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/20/2025 <br>Open-Audited Reserves of 3.62 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/20/2025 |  | Waived-Audited Reserves of 3.62 month(s) are less than Guideline Required Reserves of 6 month(s) Reserves < required 6 months<br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/20/2025<br>| DSCR % greater than 1.20 - DSCR is 1.37<br>On time mortgage history exceeds guideline requirement - Primary mtg history 22 mos x30 only 12 mos history required | 18 tradelines 0x30<br> paying off hard $ loan. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3457018 |
| XXXX | 525768 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 525802 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 526786 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 526856 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 526858 | XXXX D B A C | Closed | finding-3634 | 2025-02-21 09:16 | 2025-03-17 16:24 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Rec'd PCCD issued XXXX, LOE, check in the amount of XXXX and shipping label. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. A copy of the XXXX label, LOE, refund check and PCCD have been uploaded, please clear condition. - Seller-03/17/2025 <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 for Transfer Taxes 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> - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. A copy of the XXXX label, LOE, refund check and PCCD have been uploaded, please clear condition. - Seller-03/17/2025 | Cured-Rec'd PCCD issued XXXX, LOE, check in the amount of XXXX and shipping label. - Due Diligence Vendor-03/17/2025 | Months Reserves exceed minimum required - 20.73 mos rsrvs; 6 mos required<br>Qualifying DTI below maximum allowed - 17.49% DTI;max 50% |  | 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 | 3460233 |
| XXXX | 526858 | XXXX D B A C | Closed | FCRE1152 | 2025-02-24 14:55 | 2025-03-06 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Here is the calculation for a purchase,XXXX. Letter provided was just to confirm the mileage rate. Please clear condition. - Seller-03/05/2025 <br> Counter-Received confirmation from closing attorney re taxes are XXXX-does not match escrow monthly amount collected. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Tax information sheet which shows total mileage rate has been uploaded, please clear condition. - Seller-02/28/2025 <br> Counter-Please provide documentation to support the tax rate used for calculation. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-This transaction is a purchase which taxes are based off the purchase price, calculation is XXXX. Please clear condition. - Seller-02/26/2025 <br> Open-Missing Evidence of Property Tax Per tax bill in the file taxes of XXXX - lender collected XXXX - lender to provide verification of the document used to determine taxes. - Due Diligence Vendor-02/24/2025 | Ready for Review-Here is the calculation for a purchase, XXXX. Letter provided was just to confirm the mileage rate. Please clear condition. - Seller-03/05/2025 <br> Ready for Review-Document Uploaded. Tax information sheet which shows total mileage rate has been uploaded, please clear condition. - Seller-02/28/2025 <br> Ready for Review-This transaction is a purchase which taxes are based off the purchase price, calculation is XXXX. Please clear condition. - Seller-02/26/2025 | Resolved-Received tax cert. - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 20.73 mos rsrvs; 6 mos required<br>Qualifying DTI below maximum allowed - 17.49% DTI;max 50% |  | 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 | 3471854 |
| XXXX | 526858 | XXXX D B A C | Closed | FCRE1325 | 2025-02-24 17:19 | 2025-02-27 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received 3rd party verification. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. CPA letter is not used to determined length of self employment, copy of business search with the XXXX has been uploaded which shows the business has been registered since XXXX. Please clear condition. - Seller-02/26/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter is missing verification of the length of the borrower's self-employment - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. CPA letter is not used to determined length of self employment, copy of business search with the XXXX has been uploaded which shows the business has been registered since 2021. Please clear condition. - Seller-02/26/2025 | Resolved-Received 3rd party verification. - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - 20.73 mos rsrvs; 6 mos required<br>Qualifying DTI below maximum allowed - 17.49% DTI;max 50% |  | 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 | 3472867 |
| XXXX | 526858 | XXXX D B A C | Closed | finding-3532 | 2025-02-21 09:16 | 2025-02-27 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of delivery, XXXX. Finding resolved. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Copy of e-signed CD along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/26/2025 <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:"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. -----Initial 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-02/21/2025 | Ready for Review-Document Uploaded. Copy of e-signed CD along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/26/2025<br>| Resolved-Received evidence of delivery, XXXX. Finding resolved. - Due Diligence Vendor-02/27/2025 | Months Reserves exceed minimum required - 20.73 mos rsrvs; 6 mos required<br>Qualifying DTI below maximum allowed - 17.49% DTI;max 50% |  | 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 | 3460228 |
| XXXX | 526859 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 526860 | XXXX C A | Closed | finding-3540 | 2025-02-21 09:39 | 2025-02-28 09:14 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received CD XXXX with evidence of receipt. Finding resolved. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. please find the cd signed for XXXX - Seller-02/26/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----Need borrower acknowledgment of CD dated XXXX - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. please find the cd signed for XXXX - Seller-02/26/2025 | Resolved-Received CD XXXX with evidence of receipt. Finding resolved. - Due Diligence Vendor-02/28/2025 | Months Reserves exceed minimum required - 368 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 800 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3460471 |
| XXXX | 526861 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 526862 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 529887 | XXXX D A | Closed | FPRO1253 | 2025-02-25 10:26 | 2025-02-27 13:37 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable SSRs. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. No appraisal required. See scores on SSR's. please waive condition - Buyer-02/26/2025 <br>Open-Additional valuation product has not been provided. An appraisal review product is required on every loan. - Due Diligence Vendor-02/25/2025 |  | Resolved-Received acceptable SSRs. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 754 Fico, 720 required<br>Months Reserves exceed minimum required - 163 months reserves, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3476103 |
| XXXX | 531124 | XXXX C B A | Closed | FCRE8611 | 2025-02-26 20:20 | 2025-03-03 16:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1003 provided. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Open-Alimony payment present provide documentation to validate payment amount - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Updated 1003 provided. - Due Diligence Vendor-03/03/2025<br>| Months Reserves exceed minimum required - 99.32 months reserves is higher 3 months minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 651 is higher than 620 minimum |  | 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 | 3488934 |
| XXXX | 531124 | XXXX C B A | Closed | FPRO1249 | 2025-02-26 18:45 | 2025-02-27 10:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION IN FILE pg. 640 - exception granted for XXXX Neighborhood Location - Due Diligence Vendor-02/26/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - 99.32 months reserves is higher 3 months minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 651 is higher than 620 minimum |  |  | 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 | 3488828 |
| XXXX | 531803 | XXXX C B A | Closed | FCRE8201 | 2025-02-26 14:55 | 2025-04-03 10:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver "add finding, applied to non material finding with comp factors - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Credit exception granted for using the appraisal value, please clear condition. - Seller-02/27/2025 <br>Open-Subject property was acquired less than 12 months ago. Per guidelines LTV based on acquisition cost plus documented improvements. Loan file contains budget spreadsheet. Missing invoices / receipts to support improvements made. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Credit exception granted for using the appraisal value, please clear condition. - Seller-02/27/2025<br>| Waived-Originator provided a waiver "add finding, applied to non material finding with comp factors - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 56.91 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 786. | 43 months reserves; 786 Fico; 8 years at current residence. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3487300 |
| XXXX | 532441 | XXXX C A | Closed | FPRO0021 | 2025-02-28 14:38 | 2025-03-06 09:29 | 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 XXXX. No damage. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Uploaded PDI. - Seller-03/05/2025 <br> Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster XXXX. Incident Period: XXXX; Individual Assistance. Post Disaster inspection required. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Uploaded PDI. - Seller-03/05/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/06/2025 | Qualifying DTI below maximum allowed - 11.94% DTI ratio, 43% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 746 qualifying FICO score, 720 minimum required.<br>LTV is less than guideline maximum - 35.71% LTV ratio, 80% maximum LTV allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3505101 |
| XXXX | 535459 | XXXX D A | Closed | FCOM1227 | 2025-03-04 10:28 | 2025-03-10 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-PUD Rider is Missing The mortgage and any pertaining riders are missing from the file. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received PUD Rider - Due Diligence Vendor-03/10/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 2%<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 81.47m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3521857 |
| XXXX | 535459 | XXXX D A | Closed | FCOM1220 | 2025-03-03 10:02 | 2025-03-10 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received the Deed of Trust. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-The Deed of Trust is Missing Please provide a copy of the deed of trust. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received the Deed of Trust. - Due Diligence Vendor-03/10/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 2%<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 81.47m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3511824 |
| XXXX | 535459 | XXXX D A | Closed | FCOM1225 | 2025-03-03 10:39 | 2025-03-10 08:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Received full DOT with all riders attached. Finding resolved. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-Second Home Rider is Missing Rider is missing - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received full DOT with all riders attached. Finding resolved. - Due Diligence Vendor-03/10/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 2%<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 81.47m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3512342 |
| XXXX | 536650 | XXXX D A | Closed | FCRE0970 | 2025-03-06 11:40 | 2025-03-11 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Using subject as 4th comparable is allowable. No additional documentation is needed or required. - Due Diligence Vendor-03/11/2025 <br>Open-Appraisal to correct comp 4 (due to its the same address as subject property) . - Due Diligence Vendor-03/06/2025 |  | Resolved-Using subject as 4th comparable is allowable. No additional documentation is needed or required. - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 678 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 24.56% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 18.45% and max allowed is 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3545032 |
| XXXX | 536650 | XXXX D A | Closed | FCRE1161 | 2025-03-05 10:52 | 2025-03-10 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. Uploaded updated flood cert. - Seller-03/07/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Uploaded updated flood cert. - Seller-03/07/2025<br>| Resolved-Received flood cert. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 678 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 24.56% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 18.45% and max allowed is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3532052 |
| XXXX | 540552 | XXXX D A | Closed | FCRE5782 | 2025-03-11 10:03 | 2025-03-19 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/19/2025<br>| Months Reserves exceed minimum required - 17 months reserves exceed 12 month requirement<br>Qualifying DTI below maximum allowed - 20.59% DTI is below 50% maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3580055 |
| XXXX | 549975 | XXXX B A | Closed | FCOM5135 | 2025-03-17 12:14 | 2025-03-17 12:41 | 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>| Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min. of 660<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+25k) |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | N/A | 3626673 |
| XXXX | 561625 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 493880 | XXXX | XXXX D A B |
| XXXX | 504156 | XXXX | XXXX C A B |
| XXXX | 512179 | XXXX | XXXX A |
| XXXX | 512180 | XXXX | XXXX A |
| XXXX | 513100 | XXXX | XXXX D A |
| XXXX | 514404 | XXXX | XXXX C A B |
| XXXX | 514405 | XXXX | XXXX D A |
| XXXX | 517080 | XXXX | XXXX C A B |
| XXXX | 517081 | XXXX | XXXX A C B |
| XXXX | 517083 | XXXX | XXXX D A |
| XXXX | 517084 | XXXX | XXXX A |
| XXXX | 518049 | XXXX | XXXX C A |
| XXXX | 518050 | XXXX | XXXX A |
| XXXX | 518051 | XXXX | XXXX A C |
| XXXX | 519127 | XXXX | XXXX A |
| XXXX | 519128 | XXXX | XXXX A |
| XXXX | 519375 | XXXX | XXXX C A |
| XXXX | 521246 | XXXX | XXXX A |
| XXXX | 521248 | XXXX | XXXX A |
| XXXX | 521250 | XXXX | XXXX C A |
| XXXX | 522089 | XXXX | XXXX D A |
| XXXX | 522090 | XXXX | XXXX D A |
| XXXX | 522091 | XXXX | XXXX C A |
| XXXX | 522665 | XXXX | XXXX A C |
| XXXX | 523068 | XXXX | XXXX D A |
| XXXX | 523069 | XXXX | XXXX D A |
| XXXX | 523291 | XXXX | XXXX D A |
| XXXX | 523292 | XXXX | XXXX B C A |
| XXXX | 523293 | XXXX | XXXX A |
| XXXX | 523294 | XXXX | XXXX C A |
| XXXX | 523935 | XXXX | XXXX A C |
| XXXX | 523936 | XXXX | XXXX A |
| XXXX | 523939 | XXXX | XXXX D A B |
| XXXX | 524222 | XXXX | XXXX A |
| XXXX | 524609 | XXXX | XXXX C A |
| XXXX | 524858 | XXXX | XXXX A |
| XXXX | 524859 | XXXX | XXXX A |
| XXXX | 524862 | XXXX | XXXX A |
| XXXX | 524940 | XXXX | XXXX D A |
| XXXX | 524946 | XXXX | XXXX D A |
| XXXX | 525437 | XXXX | XXXX D A |
| XXXX | 525667 | XXXX | XXXX C A B |
| XXXX | 525766 | XXXX | XXXX A |
| XXXX | 525767 | XXXX | XXXX C A B |
| XXXX | 525768 | XXXX | XXXX A |
| XXXX | 525802 | XXXX | XXXX A |
| XXXX | 526786 | XXXX | XXXX A |
| XXXX | 526856 | XXXX | XXXX A |
| XXXX | 526858 | XXXX | XXXX D C A B |
| XXXX | 526859 | XXXX | XXXX A |
| XXXX | 526860 | XXXX | XXXX A C |
| XXXX | 526861 | XXXX | XXXX A |
| XXXX | 526862 | XXXX | XXXX A |
| XXXX | 529887 | XXXX | XXXX A D |
| XXXX | 531124 | XXXX | XXXX C A B |
| XXXX | 531803 | XXXX | XXXX C A B |
| XXXX | 532441 | XXXX | XXXX A C |
| XXXX | 535459 | XXXX | XXXX D A |
| XXXX | 536650 | XXXX | XXXX D A |
| XXXX | 540552 | XXXX | XXXX D A |
| XXXX | 549975 | XXXX | XXXX A B |
| XXXX | 561625 | XXXX | XXXX A |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 493880 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5514.88 | 5295.88 | Tape does not include HOA fee |
| XXXX | 504156 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 504156 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1492.87 | 981.88 | XXXX |
| XXXX | 512179 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5101.37 | 5030.54 | True Data include PITIA. Tape didn't include pud fee of $70.83/mo |
| XXXX | 512179 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.176 | 1.02 | Lender used annual pud fee of $850 to calculate should have used monthly fee of $70.83 |
| XXXX | 512180 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3978.03 | 3907.20 | Audit includes HOA, Tape does not include HOA monthly fee. |
| XXXX | 513100 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2038.51 | 1775.51 | tape doesn't include hoa fee of $263/mo |
| XXXX | 513100 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.25 | 16.00 | Audit verified assets |
| XXXX | 514405 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 60 | NA | Per Note. |
| XXXX | 514405 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28.62 | 6.00 | Per asset docs in file. |
| XXXX | 517080 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.48 | 5.00 | Per asset docs in file. |
| XXXX | 517080 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.07 | 39.70 | DTI matches 1003 and approval- no 1008 provided |
| XXXX | 517084 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 517084 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2652.77 | 2594.77 | Tape does not include HOA fee |
| XXXX | 518049 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 71.57 | 74.00 | per audit, matches approval. |
| XXXX | 518050 | XXXX | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | Per appraisal |
| XXXX | 518050 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 52.92 | 45.00 | Per asset docs in file. |
| XXXX | 518051 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 519127 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 519127 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 519127 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 29.77 | 33.00 | Per asset docs in file. |
| XXXX | 521246 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 521246 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2002.93 | 1990.44 | XXXX |
| XXXX | 521248 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 521250 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| XXXX | 522089 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 522090 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Stmt |
| XXXX | 522090 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5655.73 | 4551.74 | Lenders didn't address the HOA payment |
| XXXX | 522090 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.29 | 19.00 | Auditor reviewed total assets |
| XXXX | 522090 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.53 | 41.76 | No Lease agreements to offset the REOs |
| XXXX | 522091 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 522091 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 21.43 | 24.00 | Per Audit. Tape source unknown |
| XXXX | 522665 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Post Consummation CD |
| XXXX | 523068 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per Appraisal |
| XXXX | 523068 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.386 | 138 | Audit matches lender DSCR Calculation |
| XXXX | 523069 | XXXX | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note. |
| XXXX | 523069 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per Appraisal |
| XXXX | 523292 | XXXX | XXXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXXX | XXXX | Per final CD. |
| XXXX | 523294 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per settlement statement |
| XXXX | 523935 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement statement |
| XXXX | 523936 | XXXX | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Per Final 1003/Credit |
| XXXX | 523936 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2772.58 | 2496.60 | XXXX |
| XXXX | 523939 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 523939 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1617.05 | 1237.46 | XXXX |
| XXXX | 524609 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.05 | 49.99 | per audit calc (initial terms) |
| XXXX | 524940 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note |
| XXXX | 524940 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.011 | 1.08 | Audit matches lender calculation worksheet |
| XXXX | 524946 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.01 | 1.02 | Lender used higher P&I payment than what is reflected on Note. |
| XXXX | 525437 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 525437 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 750 | 751 | Per credit report |
| XXXX | 525437 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.09 | 13.10 | Post close an REO was removed as the purchase transaction was canceled. |
| XXXX | 525767 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 525767 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 525768 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 727 | 724 | Per Credit report |
| XXXX | 526786 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.337 | 1.305 | Audit matches lender calculation worksheet |
| XXXX | 526856 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement statement provided |
| XXXX | 526858 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 20.73 | 23.00 | Audit verified assets |
| XXXX | 526858 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5243.08 | 4668.09 | Does not include HOA |
| XXXX | 526859 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per Settlement Statement |
| XXXX | 526860 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 368.58 | 397.00 | Audit matches the assets on the 1003 |
| XXXX | 526860 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5022.55 | 4266.05 | tape doesn't include HOA additional HOI policy |
| XXXX | 532441 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 61.68 | 6.00 | Asset include cash to borrower per CD |
| XXXX | 532441 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX | 532441 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 535459 | XXXX | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 536650 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 2.62 | 5.00 | Per assets statements and funds required for closing |
| XXXX | 540552 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 226849.88 | 234156.99 | Per bank statement analysis |
| XXXX | 540552 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 226849.88 | 234156.99 | Per bank statement analysis |
| XXXX | 540552 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.01 | 50.00 | Per checking accounts provided-audit in line with lender 1003 |
| XXXX | 549975 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 549975 | XXXX | XXXX | Borrower 2 Qualifying Income | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 549975 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.21 | 27.00 | Audit used all available assets |
| XXXX | 524946 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal. |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 522665 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6655.8 | 7.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2030.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 532441 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | Yes | 8570 | 7.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 171399.9 | N/A | Employed |  | No |  | No |  |
| XXXX | 531124 | XXXX | 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 | 8551.9 | 9.396 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 59468.86 | Yes | Employed |  | No |  | No |  |
| XXXX | 514405 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 549975 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26003.37 | 8.353 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25591.01 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 525802 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 17990 | 9.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34614.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 540552 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 72307.5 | 8.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 180147.69 | Yes | Employed |  | No |  | No |  |
| XXXX | 524222 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20965.8 | 7.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8463.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 514404 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 536650 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7150.11 | 7.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33517.54 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 561625 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 25352.58 | 8.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31933.51 | N/A | Employed | Retired | No | No | No |  |
| XXXX | 521246 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 518049 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 524858 | XXXX | 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 | 7604 | 8.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3937.15 | Yes | Employed |  | No |  | No |  |
| XXXX | 525766 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 518050 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8494.75 | 7.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6247.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 518051 | XXXX | 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 | No | 24728.38 | 9.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101440.03 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 519127 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 524859 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 493880 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13894 | 7.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33729.59 | Yes | Employed |  | No |  | No |  |
| XXXX | 519128 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 525767 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 525768 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 531803 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 524862 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 517080 | XXXX | 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 | No | 20031.5 | 9.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26027.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 517081 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 504156 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6344 | 8.307 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 25064.09 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 521248 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19478.43 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 512179 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512180 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 517083 | XXXX | 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 | No | 9669.5 | 9.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7450.53 | Yes | Employed |  | No |  | No |  |
| XXXX | 521250 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 517084 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 523291 | XXXX | 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 | 1694 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8683.5 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 513100 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 522089 | XXXX | 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 | 24000.47 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 522090 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 24858.4 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 522091 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14350 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14415.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 523292 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27298.11 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26107.62 | N/A | Employed |  | No |  | No |  |
| XXXX | 523293 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 523294 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 523935 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 526856 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 523936 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 526858 | XXXX | 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 | 14199.63 | 9.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33016.7 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 523939 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 526859 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 526860 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14995.25 | 8.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42775.94 | N/A | Not Employed |  | No |  | No |  |
| XXXX | 526861 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 526862 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 535459 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5617.5 | 6.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1244220.16 | Yes | Employed |  | No |  | No |  |
| XXXX | 524940 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 525667 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 524946 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 524609 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | Yes | No | No | No | No | No | 29388.4 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9845.74 | Yes | Employed |  | No |  | No |  |
| XXXX | 519375 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 523068 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 523069 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 526786 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 529887 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 525437 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 889080.86 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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 | 493880 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.68 | 37.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 504156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 76.43 | 76.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 512179 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 512180 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 513100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 514404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.87 | 63.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 514405 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 517080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 517081 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.5 | 76.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 517083 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 517084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 518049 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 71.35 | 71.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 518050 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.2 | 56.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 518051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 519127 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 519128 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 519375 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 34.81 | 34.81 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 521246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.4 | 71.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 521248 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 521250 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0682 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0682 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 522089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 522090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 522091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 522665 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 28.24 | 28.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 523068 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 523069 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 523291 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.15 | 59.15 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 523292 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.32 | 45.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 523293 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 523294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 523935 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 523936 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.3 | 66.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 523939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524609 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.97 | 22.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 524858 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.83 | 56.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 524859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524862 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 524940 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 524946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 525437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 525667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 525766 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 525767 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 525768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 525802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 526786 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 526856 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 526858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 526859 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.47 | 22.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 526860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 526861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.99 | 54.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 526862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.31 | 76.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 529887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 531124 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 531803 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 532441 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 35.71 | 35.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 535459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 536650 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.56 | 24.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 540552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 549975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 561625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**May 30, 2025**<br> **Due Diligence Narrative Report** <br>

![](ex994001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 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 Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 1 May 30, 2025

![](ex994001.jpg)

Clayton Contact Information

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex994003.jpg) | **Ralph Fox** | Client Services – Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](ex994003.jpg) | **Joe Ozment** | VP Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of theLender, Clayton conducted an independent third-party pre-securitization due diligence review of 47 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of HomeXpress Mortgage Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 121 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

The loans referenced in this narrative report were reviewed on a bulk and flow basis between December 2023 and March 2025 at Clayton's centralized underwriting facility in Tampa, FL. This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loan in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 165 | 98.21% |
| Retail | 3 | 1.79% |
| **Total** | **168** | **100.00%** |

---

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

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

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, Morningstar, and DBRS

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Sampling

For all originators in this transaction, 51.79% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | \*87 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp;168<br>|  |

---

\*81 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable originator's guidelines.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 3 May 30, 2025

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TPR Component Review Scope

Clayton examined each loan file 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 this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
 by the Seller and received by Clayton for Nationwide Multistate Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (168 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (86 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. Clayton had independent access to all products listed below.

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

90 loans had CU scores of 2.5 or less and did not require a third-party valuation. For further detail please refer to the MSRM 2025-NQM4 Valuations Summary Report

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

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;

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, as further described on <u>Appendix C</u> attached hereto and

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 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;

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

– Homeownership Counseling Notice; and

– 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 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.

Following the June 15<sup>th</sup> , 2016 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 Morgan Stanley Mortgage Capital Holdings.

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

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

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

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 6 May 30, 2025

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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 Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are 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 Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from lender/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; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

**Data Compare Results**

Clayton provided Morgan Stanley Mortgage Capital Holdings, LLC (MSMCH) with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 7 May 30, 2025

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower DSCR Percent | 1 | 99.40% |
| &nbsp;&nbsp;Cash Reserves | 49 | 70.83% |
| &nbsp;&nbsp;Combined LTV | 6 | 96.43% |
| &nbsp;&nbsp;Credit Report Date | 3 | 98.21% |
| &nbsp;&nbsp;Disbursement Date | 25 | 85.12% |
| &nbsp;&nbsp;DTI Qualifying (Back) | 1 | 99.40% |
| &nbsp;&nbsp;Loan Purpose | 5 | 97.02% |
| &nbsp;&nbsp;Months Reserves | 48 | 71.43% |
| &nbsp;&nbsp;Number of Units | 1 | 99.40% |
| &nbsp;&nbsp;Original Appraisal Date | 6 | 96.43% |
| &nbsp;&nbsp;Original Appraised Value | 14 | 91.67% |
| &nbsp;&nbsp;Product Type | 9 | 94.64% |
| &nbsp;&nbsp;Property Type | 8 | 95.24% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 1 | 99.40% |
| &nbsp;&nbsp;Total Cash Out | 54 | 67.86% |

---

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (168 loans)</u>

![](ex994005.jpg)

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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 8 May 30, 2025

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**Initial and Final Credit Component Grade Results**![](ex994006.jpg)

**Initial and Final Property Valuation Grade Results**![](ex994007.jpg)

**Initial and Final Regulatory Compliance Grade Results\***![](ex994008.jpg)

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (81 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations
 Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Standard
 Upload

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 9 May 30, 2025

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR
 QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating
 Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Guideline
 Report

**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)

– 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

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

– 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

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○ 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

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**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

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:

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

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

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

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 13 May 30, 2025

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○ USPAP

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

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

○ 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

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 14 May 30, 2025

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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

G. Desk
 Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope** 

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

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 15 May 30, 2025

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**<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")

&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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 16 May 30, 2025

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● 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.

● 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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 17 May 30, 2025

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● 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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 18 May 30, 2025

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**<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).

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 19 May 30, 2025

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**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:

**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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 20 May 30, 2025

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**<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.

MSRM 2025-NQM4 Due Diligence Narrative Report Page \| 21 May 30, 2025

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM4** |
| **Start - End Dates:** | **12/15/2023 - 3/17/2025** |
| **Deal Loan Count:** | **168** |
| **ATR QM Upload** |  |
| Loans in Report: | 168 |

---

---

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| 8098358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1923.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2450.00 | 1.2736 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8148628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4141.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.6277 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -828.32 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1260.00 | No | (No Data) | 1.5212 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 8.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6970.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 0.7891 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8985948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5387.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 5600.00 | No | (No Data) | 1.0395 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3089.61 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0034 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2565.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0136 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3472.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.0078 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1345.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.4117 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2129.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2230.00 | No | (No Data) | 1.0472 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2498.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0006 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15082.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 17000.00 | No | (No Data) | 1.1272 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -982.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.1196 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8921.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 10966.00 | No | (No Data) | 1.2291 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9542.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10950.00 | No | (No Data) | 1.1475 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1661.96 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1432 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1395.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.0568 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1453.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.0145 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1244.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.0443 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3836.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0427 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2164.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0858 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2806.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8907 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2363.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2785.00 | No | (No Data) | 1.1784 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1542.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.1020 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2783.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.2933 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2776.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0803 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5679.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8000.00 | No | (No Data) | 1.4085 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1892.89 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2075.00 | No | (No Data) | 1.0962 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1190.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.3024 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.5435 | Yes | Yes | 1.55 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.12 | 19.19 | 19.12 | 19.19 | 19.19 | 19.19 | Yes | Yes | Yes | 49272.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 9054362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3771.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3775.00 | No | (No Data) | 1.0009 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -987.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.5192 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2654.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3546.00 | No | (No Data) | 1.3359 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1276.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.9589 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7428.29 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8950.00 | No | (No Data) | 1.2049 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1083.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.0149 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9413.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 10000.00 | 1.0623 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3785.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0565 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11609.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.2059 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.5897 | Yes | Yes | 2.379 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.78 | 38.78 | 38.78 | 38.78 | 38.78 | 38.78 | No | No | (No Data) | 18110.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | 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 - 96 months; | (No Data) | (No Data) | (No Data) |
| 9042541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4910.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4975.00 | 1.0131 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2199.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0003 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4% of amt prepd in year 1,2 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6211.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10200.00 | No | (No Data) | 1.6421 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9042546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2344.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0237 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6972189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3883.97 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4900.00 | 1.2651 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8087252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2561.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2650.00 | 1.0347 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8087344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | 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) | 0 | 21.24 | 0 | 21.24 | 21.24 | 21.24 | (No Data) | (No Data) | (No Data) | 49637.92 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | Yes | 48 | 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 with Income - 48 months; | CPA Letter without Income - 48 months; | (No Data) |
| 8059016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1399.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1745.00 | No | (No Data) | 1.2464 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8175703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3770.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4560.00 | No | (No Data) | 1.2095 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9031935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2864.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3190.00 | No | (No Data) | 1.1136 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8999049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.6290 | Yes | Yes | 3.511 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.96 | 38.95 | 38.96 | 38.95 | 38.95 | 38.95 | No | No | (No Data) | 10318.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 9036171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2230.22 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.3451 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9031955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1566.07 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1910.00 | No | (No Data) | 1.2196 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | No | 1 | 8.2365 | Yes | Yes | 3.031 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.73 | 30.73 | 30.73 | 30.73 | 30.73 | 30.73 | No | No | (No Data) | 40653.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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) | 1099 - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 9067254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | No | 1 | 8.5019 | Yes | Yes | 1.059 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.54 | 29.54 | 29.54 | 29.54 | 29.54 | 29.54 | Yes | Yes | Yes | 46486.9 | No | (No Data) | No | (No Data) | No | (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) | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Written VOE - 5 months; | (No Data) | (No Data) | (No Data) |
| 9067439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | Yes | 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) | 0 | 38.78 | 0 | 38.78 | 38.78 | 38.78 | (No Data) | (No Data) | (No Data) | 10032.16 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1024.57 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 1.3664 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3044.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0182 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | 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) | 0 | 28.76 | 0 | 28.76 | 28.76 | 28.76 | (No Data) | (No Data) | (No Data) | 186526.91 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | Business Bank Statements - 12 months; |
| 9067409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -878.98 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.3652 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2341.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1102 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1891.61 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.2951 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7883.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8200.00 | No | (No Data) | 1.0401 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1067.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.6860 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2498.07 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0408 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1725.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0142 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3013.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0286 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2408.45 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0588 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1226.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1690.00 | No | (No Data) | 1.3780 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2118.92 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.1426 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9036082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8965.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9500.00 | No | (No Data) | 1.0596 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4141.07 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.1591 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1301.51 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 2.0745 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2037.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.0060 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1568.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1570.00 | No | (No Data) | 1.0008 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.7164 | Yes | Yes | 2.998 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 5.88 | 5.83 | 5.88 | 5.83 | 5.83 | 5.83 | Yes | Yes | Yes | 243721.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 9067260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1643 | Yes | Yes | 3.951 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.71 | 39.71 | 39.71 | 39.71 | 39.71 | 39.71 | No | No | (No Data) | 17930.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2395.57 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0435 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 9.1250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1737.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.8635 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.9104 | Yes | Yes | 2.605 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.03 | 15.03 | 15.03 | 15.03 | 15.03 | 15.03 | Yes | Yes | Yes | 52043.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | 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 - 156 months; | (No Data) | (No Data) | (No Data) |
| 9067315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1213.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 0.9065 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1099.63 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.4550 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1410.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2025.00 | No | (No Data) | 1.4354 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | 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 | 9.7500 | 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) | 0 | 10.08 | 0 | 10.08 | 10.08 | 10.08 | (No Data) | (No Data) | (No Data) | 154045.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 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 without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 9067261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.9266 | Yes | Yes | 3.642 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.28 | 42.28 | 42.28 | 42.28 | 42.28 | 42.28 | No | No | (No Data) | 2968.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | IRS Transcripts – Tax Return(s) - 12 months; | (No Data) | (No Data) | (No Data) |
| 9067398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0.861 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1610.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.2421 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1445.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.2448 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -994.3 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.6091 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1135.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.4972 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1087.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.5168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3684.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 2.7139 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1924.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1925.00 | No | (No Data) | 1.0002 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.3182 | No | Yes | 2.837 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -4391.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | 6 | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | Personal Bank Statements - 6 months; | (No Data) | (No Data) |
| 9067376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4614.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.1268 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2394 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0025 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | Yes | 1 | 8.2320 | No | Yes | 4.324 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3598.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | (No Data) | (No Data) | (No Data) |
| 9067348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1625.38 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.0305 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.0661 | No | No | 3.143 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.2 | 49.2 | 49.2 | 49.2 | 49.2 | 49.2 | Yes | Yes | Yes | 2618.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) |
| 9067416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1282.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.4427 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0.861 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1435.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.1601 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1210.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.1155 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1848.43 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.1360 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.9791 | No | No | 1.332 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.59 | 45.07 | 46.59 | 45.07 | 45.07 | 45.07 | No | No | (No Data) | 7756.77 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months;<br> Written VOE - 24 months; | Personal Bank Statements - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) |
| 9067403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -858.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.2810 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.1447 | Yes | Yes | 2.504 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.48 | 33.4 | 32.48 | 33.4 | 33.4 | 33.4 | Yes | Yes | Yes | 15788.77 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 9067442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | 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) | 0 | 5.1 | 0 | 5.1 | 5.1 | 5.1 | (No Data) | (No Data) | (No Data) | 334260.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.3206 | No | Yes | 3.043 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2918.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | (No Data) | (No Data) | (No Data) |
| 9067369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2095.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0975 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1727.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.4470 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2595.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 0.9439 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | No | 1 | 9.5540 | Yes | Yes | 3.07 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | No | No | (No Data) | 10395.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 9067420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0.861 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2820.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4200.00 | 1.4892 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.2750 | No | No | 1.412 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.95 | 46.95 | 46.95 | 46.95 | 46.95 | 46.95 | No | No | (No Data) | 8099.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | 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 Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9067329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2972.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0091 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8484 | Yes | Yes | 0.87 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.8 | 36.56 | 35.8 | 36.56 | 36.56 | 36.56 | No | No | (No Data) | 33609.85 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 1 months;<br> W2 - 24 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 9067296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3490 | No | No | 2.978 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.73 | 45.73 | 45.73 | 45.73 | 45.73 | 45.73 | No | No | (No Data) | 24373.58 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | 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 - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9067353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1619.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0498 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4708.53 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 3840.00 | No | (No Data) | 0.8155 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.9107 | Yes | Yes | 3.544 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.01 | 40.01 | 40.01 | 40.01 | 40.01 | 40.01 | No | No | (No Data) | 30368.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | 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 - 60 months; | (No Data) | (No Data) | (No Data) |
| 9067372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4281.99 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 4720.00 | No | (No Data) | 1.1022 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | 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 | 8.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1047.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.8022 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2899.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5962.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.0062 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1619.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0803 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5087.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7600.00 | No | (No Data) | 1.4939 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | 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) | 0 | 26.06 | 0 | 26.06 | 26.06 | 26.06 | (No Data) | (No Data) | (No Data) | 35448.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1439.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0419 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1335.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1235 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1431.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.3968 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2203.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0893 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | 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) | 0 | 5.68 | 0 | 5.68 | 5.68 | 5.68 | (No Data) | (No Data) | (No Data) | 318681.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 - 36 months; | (No Data) | (No Data) |
| 9067313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2415.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.8693 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3920.95 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.9691 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3082.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.2328 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2338.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0262 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3326.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0222 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1680.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0117 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | 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) | 0 | 37.12 | 0 | 37.12 | 37.12 | 37.12 | (No Data) | (No Data) | (No Data) | 4192.08 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 9067375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4492.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.1130 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7204.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7270.00 | No | (No Data) | 1.0091 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7213.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7270.00 | No | (No Data) | 1.0078 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -915.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.6385 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4240.07 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 0.8492 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2755.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.1252 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2035.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3050.00 | No | (No Data) | 1.3651 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1303 | No | No | 4.356 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.1 | 43.81 | 43.1 | 43.81 | 43.81 | 43.81 | No | No | (No Data) | 4679.75 | No | (No Data) | No | (No Data) | No | (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) | Yes | 69 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Written VOE - 69 months; | (No Data) | (No Data) | (No Data) |
| 9067298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | No | 1 | 8.5125 | Yes | Yes | 3.049 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.89 | 13.89 | 13.89 | 13.89 | 13.89 | 13.89 | No | No | (No Data) | 30672.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1841.95 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2175.00 | No | (No Data) | 1.1808 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | No | 1 | 7.0780 | Yes | Yes | 3.171 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.56 | 11.56 | 11.56 | 11.56 | 11.56 | 11.56 | Yes | Yes | Yes | 22780.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | 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 - 96 months; | (No Data) | (No Data) | (No Data) |
| 9067373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1628.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.1049 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5478.2 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6850.00 | No | (No Data) | 1.2504 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | 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) | 0 | 20.85 | 0 | 20.85 | 20.85 | 20.85 | (No Data) | (No Data) | (No Data) | 19786.41 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Offer Letter - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 9067356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1571.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0496 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1708.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2293 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1177.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.3592 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1323.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1560.00 | No | (No Data) | 1.1787 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2404.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0603 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3396.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0009 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 10.5401 | No | No | 3.08 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.41 | 47.41 | 47.41 | 47.41 | 47.41 | 47.41 | Yes | Yes | Yes | 14878.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -976.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.2292 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1181.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.7769 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0.875 | (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) | 0 | 43.75 | 0 | 43.75 | 43.75 | 43.75 | (No Data) | (No Data) | (No Data) | 11196.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) |
| 9067433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12962.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 25000.00 | No | (No Data) | 1.9287 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1145.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.4627 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.2467 | Yes | Yes | 0.289 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.42 | 31.47 | 31.42 | 31.47 | 31.47 | 31.47 | No | No | (No Data) | 31438.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2239.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1608 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4724.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4795.00 | No | (No Data) | 1.0149 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9054254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2119.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 2772.00 | No | (No Data) | 1.3079 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

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&nbsp;&nbsp;&nbsp;&nbsp;©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

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM4** |
| **Start - End Dates:** | **12/15/2023 - 3/17/2025** |
| **Deal Loan Count:** | **168** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *168* |
| ***Loans with Conditions:*** | *81* |
| **35 - Total Active Conditions** | **35 - Total Active Conditions** |
| **35 - Non-Material Conditions** | **35 - Non-Material Conditions** |
|  | 31 - Credit Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 6 - Category: Assets |
|  | 8 - Category: Credit/Mtg History |
|  | 1 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 6 - Category: LTV/CLTV |
|  | 5 - Category: Terms/Guidelines |
|  | 4 - Property Valuations Review Scope |
|  | 4 - Category: Property |
| **87 - Total Satisfied Conditions** | **87 - Total Satisfied Conditions** |
|  | 56 - Credit Review Scope |
|  | 8 - Category: Application |
|  | 6 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 8 - Category: Insurance |
|  | 20 - Category: Legal Documents |
|  | 5 - Category: Terms/Guidelines |
|  | 5 - Category: Title |
|  | 8 - Property Valuations Review Scope |
|  | 4 - Category: Appraisal |
|  | 4 - Category: Property |
|  | 23 - Compliance Review Scope |
|  | 3 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Documentation |
|  | 4 - Category: Right of Rescission |
|  | 15 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <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:** | **MSRM 2025-NQM4** |
| **Start - End Dates:** | **12/15/2023 - 3/17/2025** |
| **Deal Loan Count:** | **168** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *168* |
| ***Loans with Conditions:*** | *81* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial 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** |
| 8098358 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 14% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 739. G/l min is 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are $XXX, 20.5 months; 6 months required. |
| 8148628 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 3 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11.02 months of reserves in file. |
| 9054354 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Missing completed loan application for XXX with birthdate XXX | 2-12-25: client uploaded loan application. | 2-12-25: XXX reviewed loan application, exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 731. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 48 months |
| 9054354 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship/residency status for XXX(Birthdate XXX due to missing completed application. | 2-12-25: client uploaded loan application. | 2-12-25: XXX reviewed loan application, exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 731. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 48 months |
| 9054354 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Borrowers have owned the property less than 12 months and appraised value was used for loan valuation; guidelines XXX require the LTV be based on the lower of the original acquisition cost plus documented improvements or the appraised value. File contains an invoice for repairs from XXX which is owned by the XXX. Lender exception in file for variance. | 2-13-25 Client emailed re: Status. | 2-13-25 XXX emailed response: The exception was reviewed and is deemed non-material. Exception remains. Final grade is B. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 731. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 48 months |
| 9042466 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 688 mid-score per CBR. 680 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 30 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 31 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 36.20 months of reserves in file. 0 months required. |
| 8985948 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 43.9 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 750 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 67.90% is below the maximum allowable of 75% for short term rental. |
| 9042481 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 mid-score per CBR. 680 minimum for first time investor.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 3.17 months of reserves in file, 0 months of reserves required per guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 24 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 135 months of 0x30 mortgage history per CBR. |
| 9042438 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 33.99 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 791 and minimum is 660<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has no late payments on mortgages with 9 years reporting |
| 9042453 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. Note: XXX Guidelines (Page 79): (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). File contained both: CU score = 1 , LCA score = 4. | 1-30-25: client uploaded Desk Review.1-30-25: XXX reviewed Desk Review; value supported $XXX. | 1-30-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 mid-score per CBR.660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 5 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 223 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 86 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26.86 months of reserves in file. 6 months required. |
| 9042484 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 9 years at current residence.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has a credit line usage ratio of 5%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 775 is 115 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 14 months PITIA vs 0 months reserves required. |
| 9054265 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 mid-score per CBR. 640 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 8 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 7.13 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 59.61% LTV per review; 70% LTV is maximum allowed per guidelines for unleased property. |
| 9054212 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Disclosed Non-arms length transaction as seller is XXX which is borrower's son's business. Approved loan Exception in file. XXX deems non-material/non-fatal as Guidelines allow non-arm's length between family members with maximum LTV of 80%. Comp factors: Credit score 788/660 minimum, LTV 72.619%/80 maximum and 44.51 months cash reserves/0 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 md-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 72.62% LTV per review; 80% LTV is maximum allowed per guidelines for Non-Arms length.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 170 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 140 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Cash reserves are XXX or 44.51 months. 0 months required. |
| 9042556 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 29.21 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 705 and minimum is 660<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase for the subject property is 2.77%, from XXX to XXX |
| 9054328 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 5 years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 26% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 43.70 months piti reserves. 6 months required. |
| 9054264 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing LLC Operating agreement for XXX to support Borrower is 100% owner. | 2-10-25: Client uploaded copy of Operating Agreement for XXX.2-10-25: XXX reviewed copy of Operating Agreement for XXX; it confirms borrower owns XXX, which includes XXX. | 12-10-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 694 mid-score per CBR. 660 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 67 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 110 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11.27 months of reserves in file. 0 months required. |
| 9042407 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 53.84 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 690 and minimum required is 660 |
| 9042393 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 753 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 60 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 10 years residing in current primary residence |
| 9054189 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Maximum LTV is 70% for cash out refinance. Loan closed at 74.615%. Per guidelines loan is considered a cash out refinance due to subject loan paying off a Blanket loan (Section 1.4.1.2 & 1.8.2.4). XXX deems non-material/non-fatal as LTV is only 4.615% over or XXX and credit score of 686/660 minimum, 39 months mortgage history and 28.61 months cash reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 686 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 5 years living ay primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 28.61 months of reserves in file. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30 mortgage lates since XXX per CBR. |
| 9054189 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of Blanket/Cross Collateralized note to verify the payoff/release terms. (Section 1.8.2.4 Page 68) | 2-13-24 Client uploaded note. | 2-13-24 XXX reviewed note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 686 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 5 years living ay primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 28.61 months of reserves in file. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30 mortgage lates since XXX per CBR. |
| 9054283 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV is 70% for cash out refinance. Loan closed at 75%. Per guidelines loan is considered a cash out refinance due to subject loan paying off a Blanket loan (Section 1.4.1.2 & 1.8.2.4). XXX deems non-material/non-fatal as LTV is only 5% over or XXX and credit score of 686/660 minimum, 39 months mortgage history and 27.47 months cash reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 686 is 26 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 27.47 months ITIA vs 6 months reserves required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5 years at current residence. |
| 9054283 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of Blanket/Cross Collateralized note to verify the payoff/release terms. (Section 1.8.2.4 Page 68) | 2-13-25 Client uploaded note. | 2-13-24 XXX reviewed note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 686 is 26 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 27.47 months ITIA vs 6 months reserves required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5 years at current residence. |
| 9042569 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing original note with XXX for $XXX dated XXX to verify the payoff/release terms. Required per Guidelines 1.8.2.4 (Page 68) when property is encumbered by a blanket/cross collateralized loan: Copy of the note will be required to verify the payoff/release terms. | 1-30-25 Client uploaded original note. | 1-31-25 XXX reviewed original note which is secured by subject property. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at primary residence 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified $XXX in reserves or 26.45. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 39 months exceeds the required 12 months. |
| 9042569 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 70% for cash out refinance. Loan closed at 75% LTV. Note: Loan considered a cash out refinance per guidelines 1.8.2.4 (Page 68) due to subject property being encumbered by a blanket/cross collateralized loan. Property also considered unleased since security deposit was not provided which is limited to 70%. XXX deems non-material/non-fatal to the lending decision as borrower received less than $XXX at closing, is only considered Cash out due to the current blanket lien on the property and the LTV was within the Rate term guidelines. Comp factors: over 26 months cash reserves, 39 months primary mortgage history with no lates. | 2-14-25 Client uploaded VOM and Payoff and explanation to reconsider. 2-14-25 Client uploaded exception. | 2-14-25 XXX reviewed information. HEM non-agency guidelines state "When the subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out." Section 1.8.2.4. Property is encumbered by a blanket loan per Note. Non-material Exception remains. 2-17-25 XXX reviewed exception acknowledged by lender. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at primary residence 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified $XXX in reserves or 26.45. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 39 months exceeds the required 12 months. |
| 9054376 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 55.24 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 3 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 675 mid-score per CBR. 660 minimum. |
| 9042461 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 770 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 41.2 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% revolving credit usage |
| 9042398 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP130 | Application is incomplete | No | Application missing Residency Status (XXX). | 1-28-25 Client uploaded 1003. | 1-28-25 XXX reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 718 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves XXX, 11.16 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Residing in primary residence for 10 years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% revolving credit usage |
| 9042398 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Property | Active | B | B | PRVAPROP177 | Property Issues Indicated | No | Property is zoned agricultural with general farming and residential district II. Exception approved to proceed with agricultural zoned properties. XXX deems non-material/non-fatal to lending decision as property is rural with XXX and not being used for farming. Compensating factors: Credit score of 718, over 11 months cash reserves and borrower is an experienced investor. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 718 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves XXX, 11.16 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Residing in primary residence for 10 years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% revolving credit usage |
| 9054347 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 35 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 90.08 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 742 and minimum is 700 |
| 9054195 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide Final HUD-1, no HUD-1's in file. | 2-11-25: client uploaded final signed HUD1. | 2-11-25: XXX reviewed final signed HUD1. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, 20.54 months;<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 9 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 105 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 716 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 9054410 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Application | Satisfied | C A | C A | CRDAPP2418 | Ownership history inaccurate / incomplete | No | Missing documentation linking XXX to borrower. Mortgage, being paid off, in the name of XXX however title in the name of borrower. | 2-12-25: Client uploaded information from State of XXX regarding PXXX | 2-12-25: XXX reviewed information from State of XXX regarding XXX The Corporation Division of XXX Secretary of State business search verifies borrower is member and registered agent for the XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 63.70% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 726 exceeds the minimum of 680 (first time investor)<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: 1.2933 (Rents XXX / Expenses XXX)<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 14% revolving credit usage |
| 9054329 | XXXXXX | VT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 714 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 109 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 170 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 25.81 months of reserves in file. 6 months required. |
| 9054229 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 730 mid-score per CBR. 700 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 10 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30 mortgage history since XXX per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 29.32 months of reserves in file. 6 months required. |
| 9054197 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Missing copy of original settlement statement from XXX purchase of subject property at XXX to verify acquisition costs. | 2-28-25 Client uploaded HUD. | 2-28-25 XXX reviewed HUD from original purchase. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 15 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 44 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 46.13 months piti reserves. 6 months required. |
| 9054356 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, 29.74 months; none required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 705 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments with 19 years reporting. |
| 9042372 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short cash reserves of XXX or 3.26 months. Required reserves XXX x 12 = XXX.Total assets verified: XXX XXX XXX (XXX), XXX XXX $XXX ($XXX - XXX XXX to XXX in January) (XXX), XXX XXX (XXX) XXX (XXX x 50%), XXX XXX XXX (XXX balance), XXX XXX XXX (XXX x 50%) (XXX), Gift $XXX = XXX total assets - cash required XXX = XXX cash reserves. XXX deems non-material/non-fatal to lending decision due to credit score of 762/700 minimum, DTI of 19.19%/43% maximum allowed and over 6 years employment. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 6 years 1 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 762 is 42 points above the 720 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 19.19% is 23.81% below the 43% allowed for the program. |
| 9054362 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 15 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 199 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23.51 months of reserves in file. 0 months required. |
| 9054373 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 2.62 months reserves, 0 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 36 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Subject payment reduced by $535.94/month or 35.18%<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 7% revolving credit usage<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 773 exceeds the minimum of 700 |
| 9054306 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80% and maximum LTV is 75% for short term rentals, per guidelines 1.8.2.1.2. XXX considers this non material with credit score of 740 and DSCR of 1.3359%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 740. Minimum 660 based on LTV.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 10% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 50 months |
| 9054231 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 757 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 24 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.76% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 20 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 105.21 months of reserves in file. 6 months required. |
| 9054398 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 111.71 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 65% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 761 exceeds the minimum of 660 |
| 9054402 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 715 mid-score per CBR.660 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 78 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 24 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111.82 months of reserves in file. 6 months required. |
| 9054343 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 8 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 35 months PITIA is 29 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 726 is 66 points above the 660 FICO required for the program. |
| 9054335 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 6 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 731 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 83 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 73 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 9054284 | XXXXXX | NY | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 3 months reserves required. Verified 1.68 months or XXX. Short 1.32 months or XXX.XXX asset calculation: Business account B owns 70% of XXX (XXX XXX), 50% of XXX (XXX XXX), XXX XXX $5.00 & Gift XXX, . Total assets available for closing is XXX, FTC XXX. $XXX remaining for reserves. XXX deems non-material/non-fatal to lending decision as file contains full access letters to both business accounts which we have reduced and if the loan amount was $1 less it would require 0 months reserves. Compensating factors include: Credit score 789/640 minimum and LTV 54.059%/80% maximum allowed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 54.05% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 789 exceeds the minimum of 640<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 15% revolving credit usage<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: 1.2059 (Rents XXX / Expenses XXX) |
| 9054385 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification in file. | 3.18.25 See uploaded flood cert.3.18.25 exception satisfied | 3.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 9 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years 11 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 38.78% is 11.22% below the 50% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 38.23% is 31.77% below the 70% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 75 months PITIA is 72 months greater than the 3 months reserves required. |
| 9054385 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA based on appraisal dated XXX for XXX.CDA provided is based on appraisal dated XXX for XXX. | 3.19.25 See uploaded CDA with correct value.3.19.25 exception satisfied | 3.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 9 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years 11 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 38.78% is 11.22% below the 50% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 38.23% is 31.77% below the 70% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 75 months PITIA is 72 months greater than the 3 months reserves required. |
| 9042541 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing proof of two month's proof of receipt of rental income for subject to support use of higher lease income of XXX per month. Per guidelines when using a higher actual lease amount evidence of 2 month's rent receipt is required. Only proof of 1 month rent in file. XXX deems non-material/non-fatal to lending decision due to the following compensating factors: Credit score 682/660 minimum, 5.81 months reserves/0 required and 26 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has 26 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing assets $XXX or 5.81 months; No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative credit score 682 above program requirement 660. |
| 9054361 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 6 years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 5% consumer credit utilization in file<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 66.14%. G/l max is 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 762. G/l min is 700 |
| 9042431 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 797 mid-score per CBR. 680 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 50 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 18 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 64.82 months of reserves in file. 0 months required. |
| 9042546 | XXXXXX | KY | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence of Borrower's source of funds for the cash purchase of subject property (such as bank statements, personal loan documents, or a HELOC on another property) along with a copy of the original HUD reflecting the sales price of $XXX and total cost to purchase that matches the source of funds. (Per NONI guidelines XXX Pages XXX regarding Delayed Financing)Note: June through October statements provided from XXX Bank, but do not reflect wire to title company for closing. | 2-3-25 Client uploaded wire advice from title company dated XXX for $XXX to XXX for proceeds of refinance. 2-11-25: Client uploaded HUD1 from original purchase, copy of XXX XXX XXX for XXX, and Operating agreement verifying borrower owns 81% of XXX Acquisitions. | 2-4-25 XXX reviewed wire advice which is the wire to Borrower for proceeds of subject refinance.We need evidence of Borrower's source of funds for the original purchase of the home for $XXX cash per appraisal. Still need copy of original HUD and evidence of source of ALL funds to purchase subject property. Exception remains. 2-11-25: XXX reviewed HUD1 from original purchase on XXX for $XXX cash, XXX XXX XXX bank statement which verifies purchase price $XXX was wired to escrow on XXX for purchase of subject property. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 119 months ITIA is greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 714 is 54 points above the 660 FICO required for the program. |
| 6972189 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No | Provide the Title Commitment. | 12.21.23 See attached Updated Title. 12.21.23 exception satisfied | 12.21.23 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 775.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 35 years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history 0x30. |
| 8087252 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: XXX reserves in file; 7.21 months PITIA. Required reserves XXX x 6 = XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 763 is 63 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower is 0x30 on all accounts for the past 6.5 years reviewed. |
| 8087344 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 5.8.2024-Client's response: XXX, 10:42:32 amSee attached Final HUD-1. Please clear this exception.5.8.2024-XXX's response: Received the Final HUD1; exception satisfied. | 5.8.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the current job 30.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been on current job for 30.5 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower and Co-borrower have been in current residence for 17.2 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 93 months reserves |
| 8059016 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 661 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 88.13 months of reserves in file.<br>CFCFS2860: Good credit history<br> - XXX Comments: 0x30 consumer credit history since XXX per CBR. |
| 8175703 | XXXXXX | HI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Questionnaire | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 231 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or 14.86 months reserves exceeds XXX months required reserves. |
| 9031935 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 32 months ITIA is 29 months greater than the 3 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 686 is 46 points above the 640 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is 5% below the 75% LTV allowed for the program. |
| 8999049 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or 51.26 months PITI reserves; 0 required reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 38.95% DTI; 55% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 18 years in the same profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Credit reflects oldest tradeline date XXX, reporting 0x30 |
| 9036171 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 742 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 76 month of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.95 months of reserves in file. |
| 9031955 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower is a XXX provide Letter of Reference from XXX bank. | 1.6.25 XXX XXX will not write reference letters for their clients, in lieu of this XXX accepted a copy of the XXX XXX account along with proof of mortgage history. A copy of the Note, mortgage and payment history has been uploaded. Executed XXX/XXX in file.XXX exception satisfied. | 1.6.25 exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111+ months cash reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 2+ years at current residence. |
| 9031955 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | 3 trade lines reporting for = 12 month; or 2 trade lines reporting for = 24 months with activity in the past 12 months was not met. Only 2 acceptable tradelines noted. Exception deemed non material to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111+ months cash reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 2+ years at current residence. |
| 9067253 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence for 27.33 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 50.5 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 credit score; 660 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 30.73% DTI; 50% maximum DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 23.31 months PITI reserves; guidelines require 6 months reserves. |
| 9067254 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client status is QM Safe Harbor APOR; XXX status is QM Rebuttable Presumption APOR is due to Test APR 8.502%, XXX benchmark rate is 6.590%, variance is 1.912%, max variance allowed is 1.5000%. | 1.30.25 Client response; We accept the determination on this and please clear the exception.1.31.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXX review. | 1.31.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports 32 mos. 0x30, 26 mos. 0x30, 15 mos. 0x30, 2 mos. 0x30, and 11 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Qualifying LTV 75.00% below program maximum 80.00%. |
| 9067254 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Provide corrected ROR form reflecting "midnight of date XXX", executed by non-borrower spouse.ROR in file received on XXX. Earliest disbursement date is XXX. | 2.28.2025 - XXX, LOE and proof of delivery received. However, unable to satisfy exception until expiration date on ROR of XXX. Will update as satisfied on XXX.XXX - 3 day waiting period observed. | 3.7.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports 32 mos. 0x30, 26 mos. 0x30, 15 mos. 0x30, 2 mos. 0x30, and 11 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Qualifying LTV 75.00% below program maximum 80.00%. |
| 9067254 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide PCCD updating disbursement date, (cash to close & closing cost if applicable).ROR in file received on XXX. Earliest disbursement date is XXX. | 2.6.25-Client provided PCCD issued XXX. Disbursement date still reflects as XXX. The earliest date disbursement can take place (due to non-borrowing spouse rescind period ending on XXX) is XXX. Provide PCCD correcting disbursement date to XXX or after.2.28.2025 - XXX, LOE and proof of delivery received. However, unable to satisfy exception until expiration date on ROR of XXX. Will update as satisfied on XXX.2.13.25-Client provided ROR with updated receipt date. Sent for second review. CN-XXX2.14.25 - ROR provided is not sufficient. Dates on form must be changed to reflect current rescission period. Exception remains.2.17.25- ROR provided is not sufficient. Dates on form must be changed to reflect current rescission period. Also include Letter of explanation and proof of delivery to borrower. CN-XXX 3.7.2025- New XXX, LOX and proof of delivery received. | 3.7.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports 32 mos. 0x30, 26 mos. 0x30, 15 mos. 0x30, 2 mos. 0x30, and 11 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Qualifying LTV 75.00% below program maximum 80.00%. |
| 9067254 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C 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 of CD issued XXX. | 1.31.25-Client provided proof of receipt CD issued XXX. Exception satisfied. | 1.31.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports 32 mos. 0x30, 26 mos. 0x30, 15 mos. 0x30, 2 mos. 0x30, and 11 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Qualifying LTV 75.00% below program maximum 80.00%. |
| 9067254 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports 32 mos. 0x30, 26 mos. 0x30, 15 mos. 0x30, 2 mos. 0x30, and 11 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Qualifying LTV 75.00% below program maximum 80.00%. |
| 9067439 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 98 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 32+ Months positive Months Mortgage History reporting<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History |
| 9067408 | XXXXXX | AR | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Property | Active | C B | C B | PRVAPROP177 | Property Issues Indicated | No | Guidelines require seasoning for properties purchased less than 12 months ago. Acquisition costs plus documented improvements. Cash out may not exceed this figure. Property was purchased for XXX with XXX in documented improvements which totals XXX. Borrower received XXX in cash out; exceeds guidelines. | 2.20.2025-Client's response: XXX, 2:36:35 pmThe requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition.2.20.2025-XXX's response: Any transaction that provides cash out in excess of the actual borrower outlay will require Management approval. Exception remains.2.28.2025 Client responded - Credit exception for cash out in excess of the actual borrower outlay has been uploaded, please clear condition.2.28.2025 Client provided Management approval. Client allowed excess cash out and insufficient minimum equity with compensating factors of substantial reserves and excellent mortgage payment history. Upon further review by Sr. XXX UW, XXX deems this non-material due to the compensating factors. Exception remains | 2.20.2025-Exception remains.2.28.2025 Exception has been deemed non-material and re-graded to a B. Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 707 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 88.04 months PITI > required guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75.00% LTV < guideline requirement of 80% |
| 9067337 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD in file. | 2.12.2025-Client's response: February XXX, 1:26:20 pmPlease find the final SS for review.2.12.2025-XXXs response: Received the Final HUD1, exception satisfied. | 2.12.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 117 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 56.30% is 18.70% below the 75% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 719 is 99 points above the 620 FICO required for the program. |
| 9067440 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the XXX bank statement XXX Account #XXX to complete the income calculation. | 12.31.24 A copy of the bank statement has been uploaded12.31.24 exception satisfied - happy New Year | 12.31.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 40 months of reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 704.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan to value is 70%, max LTV is 80%. |
| 9067409 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 143+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 103 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 35+ Months Mortgage History reporting |
| 9036111 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per Guides, 6 months Reserves Required and 4.16 Verified. Also calls for 2 Months Bank statements and 1 month is in file. | 1.17.25 please find the additional assets for review.1.17.25 exception satisfied | 1.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 47+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 281+ Months Consumer Credit reporting |
| 9036111 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.17.25 Estimated HUD missing disbursement date provided. Missing Final HUD. exception remains. 1.22.25 Please find the corrected final SS1.22.25 exception satisfied | 1.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 47+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 281+ Months Consumer Credit reporting |
| 9036162 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV < guideline requirement of 80%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned primary / current residence for 10 + years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 48 months with 0x30 Mortgage payment history exceeds guideline requirements. |
| 9036068 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Provide Valuation supporting Value of $XXX | 12.27.2024-Client's response: XXX, 4:59:58 pmThe correct CDA for this loan has been uploaded, please clear condition.12.27.2024-XXX response: Received the CDA with a value of $XXX; exception is satisfied. | 12.27.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 190+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23 Months Reserves |
| 9067428 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 61.53 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 664 exceeds guideline minimum of 620 for a DSCR cash out refinance at 70% LTV.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years. Borrower has been 0X30. |
| 9036069 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 705 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived / owned primary residence for the past 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 17.08 months PITI > required guidelines |
| 9036049 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Insurance | Active | B | B | CRDINSR848 | Missing Hazard Insurance | No | Provide Homeowners Dec Page with Effective Date of XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 15 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 42+ Months Consumer Credit History |
| 9036056 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Insurance | Active | B | B | CRDINSR865 | Missing proof of flood insurance in File | No | Provide Evidence of Flood Insurance | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 9 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 58 Months Consumer Credit reporting |
| 9036080 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 26 months PITIA is 20 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 762 is 62 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower is 0x30 on all accounts for the past 6.5 years reviewed. |
| 9067410 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 28 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 68+ Months positive Mortgage History reporting<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 9067370 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70.0% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 141.68 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned primary / current residence for 27 years |
| 9036082 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 29+ months reserves exceed guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history. |
| 9067385 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has owned current residence for 7 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Guarantor has good credit history for past 12 months 669<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 86.10 months reserves |
| 9067435 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 124 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 105+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history. |
| 9067322 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 9 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 25+ Months reporting positive |
| 9067323 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | D A | D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declarations Page | 2.19.25 Copy of the flood policy has been uploaded,2.19.25 exception satisfied | 2.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 25+ Months positive Mortgage Payment History |
| 9067286 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR) : XXX Status is QM Rebuttable Presumption (APOR) due to Benchmark date XXX; Test APR 8.618; Benchmark Rate 6.770 % Variance is 1.848% Max Variance allowed 2.50% | 2.20.25 Client response; We accept the determination on this and please clear the exception.2.20.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXX review. | 2.20.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 24.10 months PITI<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years. |
| 9067286 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR is executed XXX. "midnight of date XXX" for third day of rescission on ROR. Earliest date for rescission end period is XXX. Provide corrected ROR reflecting Borrower XXX with XXX as midnight of the third business days & PCCD reflecting corrected disbursement date later than XXX | 2.21-25-Client provided HUD-1 for TRID loan, provide corrected ROR. Borrower XXX signed ROR on XXX, ROR form reflects end of rescission period as XXX. The form signature (receipt date) does Not allow 3 days of recission. A corrected ROR form is needed to satisfy this condition.3.31.25-Client emailed request for clarification on XXX- r(esposne to request as in email is below) For the below , the date that reflects XXX (XXX on form) in yellow needs to be written in with the XXX crossed out, and initialed by the borrower that signed below. That is the way to satisfy the ROR form exception.3.31.25-Client emailed corrected ROR providing for full rescission period, satisfied. | 3.31.25-satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 24.10 months PITI<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years. |
| 9067286 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR is executed XXX. "midnight of date XXX" for third day of rescission on ROR. Earliest date for rescission end period is XXX. Provide corrected ROR reflecting Borrower XXX with XXX as midnight of the third business days & PCCD reflecting corrected disbursement date later than XXX | 2.21-25-Client provided HUD-1 for TRID loan, Provide PCCD correcting disbursement date for review.2.27.25-Client provided PCCD issued XXX, updating Disbursement date, closing cost & cash to close. Satisfied. | 2.27.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 24.10 months PITI<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years. |
| 9067286 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 24.10 months PITI<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years. |
| 9067286 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | C | B D A | C | B | Credit | Insurance | Satisfied | D A | D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood declaration Policy. | 2.20.2025 Client responded - please find the floodins for review.2.20.2025 Client provided the Flood Insurance Declaration. Exception satisfied | 2.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 24.10 months PITI<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years. |
| 9067260 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | 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 | Please provide proof of receipt of CD issued XXX | 2.26.25-Client provided proof of email receipt for CD issued XXX. Satisfied. | 2.26.25-Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 39.71% DTI; 50% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 19 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 66.86 months PITI reserves; guidelines require 6 months reserves. |
| 9067260 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt of CD issued XXX. | 2.26.25-Client provided proof of email receipt for CD issued XXX. Satisfied. | 2.26.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 39.71% DTI; 50% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 19 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 66.86 months PITI reserves; guidelines require 6 months reserves. |
| 9067260 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out of XXX exceeds guideline maximum cash out of XXX for 80% LTV. Client will do this on a case by case basis. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 39.71% DTI; 50% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 19 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 66.86 months PITI reserves; guidelines require 6 months reserves. |
| 9067351 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Guidelines do not allow for the LTV on rural properties to exceed LTV of 70%. LTV is 75%. XXX deems this non-material/non fatal to lending decision. LTV 75%, FICO 711, 18 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 18 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 741.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history is 0x30.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 10 years. |
| 9067312 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 24 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 770 is 90 points above the 680 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 84 months PITIA is 78 months greater than the 6 months reserves required. |
| 9067289 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5 years 1 month at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 17 months PITIA vs 0 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 15.03% is 34.97% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 706 is 86 points above the 620 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 13 years 10 months at current job. |
| 9067315 | XXXXXX | IA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Operating Agreement for XXX. Funds with this XXX were used for Closing. XXX Acct #XXX | 2.14.25 Fan Yang shows as the manager for XXX2.17.25 exception satisfied | 2.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 65+ Months reporting<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 133+ Months positive Consumer Credit History |
| 9067418 | XXXXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | XXX Minimum Equity requirement not met. Loan amount XXX / Appraised value = XXX XXX deems exception non material to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 121 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.99 months of reserves in file. |
| 9067415 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 786 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 6 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 110 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 116 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 131.26 months of reserves in file. |
| 9067290 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 74.10 months. 6 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.08% is below guideline maximum of 55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 669 exceeds guideline minimum of 660 for an Alt Doc purchase at 80% LTV. |
| 9067261 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 88 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 784, min is 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan to value 85%, max is 90%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 21 months. |
| 9067398 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 105.01 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 59.15Q% is below guideline maximum of 80% for a DSCR Cash out refinance with a 784 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067399 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | XXX has numerous investment properties and is asking XXX to refinance 11 of them; maximum 10 loans to borrower per XXX guidelines. XXX deems exception to be non material / non fatal to lending decision. LTV 60.84%, FICO 798 and 29.89 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 qual score; min 620.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 60.84% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves from cash out; XXX= XXX required reserves. |
| 9067425 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active | N/A B | N/A B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines do not allow for more than 10 mortgages with them. Borrower is refinancing 11 properties with XXX.XXX deems exception nonmaterial / non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 9067421 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow up to 10 mortgages with XXX, borrower has 11 mortgages with XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 21 years 5 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 13 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.30% is 21.70% below the 80% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 798 is 178 points above the 620 FICO required for the program. |
| 9067423 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of mortgaged properties = 11 exceeds guideline limit of 10 per XXX guidelines. XXX deems exception non material / non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 9 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82 Months positive Mortgage History reporting |
| 9067423 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. | 1.27.25 please find the CU for review.1.27.25 exception satisfied | 1.27.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 9 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82 Months positive Mortgage History reporting |
| 9067438 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.19.25 Final settlement statement has been uploaded2.19.25 Exception satisfied | 2.19.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: XXX reserves in file; 131.33 months PITIA. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 25.64% is 54.36% below the 80% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 734 is 114 points above the 620 FICO required for the program. |
| 9067326 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payments history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceeds guidelines. |
| 9067262 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 months bank statements for XXX #XX to support 1003 stated assets of XXX; XXX #XXX funds to evidence 6 months required reserves. | 2.5.25 please find October-dec bank stmnts for #XXX2.6.25 exception satisfied | 2.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 774 credit score; 680 minimum required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the primary residence 14 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Credit reflects oldest tradeline date XXX |
| 9067376 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 9067327 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history for XXX #XXX secured to subject property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 70% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 782 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash back XXX, 55.35 months reserves, 3 months reserves required |
| 9067327 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.4.25 Final settlement statement has been uploaded,3.4.25 exception satisfied | 3.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 70% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 782 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash back XXX, 55.35 months reserves, 3 months reserves required |
| 9067263 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Satisfied | B A | B A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 2.7.25 questionnaire uploaded for review,2.10.25 exception satisfied | 2.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX post close reserves required. Post close reserves are XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 59.83% is below guideline maximum of 80% for an Asset Express purchase with a 683 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 683 exceeds guideline minimum of 660 for an Asset Express purchase at 59.83% LTV. |
| 9067348 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of payment history for the subject property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 78% is below guideline maximum of 80% fir a DSCR cash out refinance with a 728 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067348 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.26.2025 Client responded - Final settlement statement has been uploaded, please clear condition.2.26.2025 Client provided the Final HUD Settlement statement. Exception satisfied | 2.26.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 78% is below guideline maximum of 80% fir a DSCR cash out refinance with a 728 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067293 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | 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 | No Confirmation of Receipt of Initial CD Dated 2.6.2025 at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 2.26.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 44 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 12 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 48.05% is 26.95% below the 75% LTV allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 29 years 4 months at current job. |
| 9067293 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | No Confirmation of Receipt of Initial CD Dated XXX at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 2.26.25-Client provided CD issued XXX, e-signed XXX. Due to receipt date of the CD, provide proof of receipt of Final LE issued XXX.3.3.25-Client provided LE issued XXX, e-signed XXX Satisfied. | 3.3.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 44 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 12 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 48.05% is 26.95% below the 75% LTV allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 29 years 4 months at current job. |
| 9067416 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 2.14.25 HOA questionnaire has been uploaded.2.17.25 Exception satisfied | 2.17.25 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 9067386 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 243 Months Consumer Credit History rporting |
| 9067374 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 20 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 740 is 120 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is 10% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 23 months PITIA is 20 months greater than the 3 months reserves required. |
| 9067380 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 54+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 307 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history. |
| 9067264 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation for B3 with XXX | 2.25.25 income attached please clear findings.2.27.25 XXX response. paystubs and W2 received. please submit VVOE to satisfy final exception. Exception remains pending VVOE. 3.3.25 here is the VOE for review.3.3.25 exception satisfied | 3.3.25 exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85% is below guideline maximum of 90% for an Alt Doc purchase with a 781 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds guideline minimum of 680 for an Alt Doc purchase at 85% LTV.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per CPA letter B1 has been in XXX for 6 years. |
| 9067264 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing income documentation for B3 with XXX. | 2.25.25 income attached please clear findings.2.27.25 XXX response. paystubs and W2 received. please submit VVOE to satisfy final exception. Exception remains pending VVOE. 3.3.25 here is the VOE for review.3.3.25 exception satisfied | 3.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85% is below guideline maximum of 90% for an Alt Doc purchase with a 781 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds guideline minimum of 680 for an Alt Doc purchase at 85% LTV.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per CPA letter B1 has been in XXX for 6 years. |
| 9067403 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 2.5.25 please find the final SS for review.2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 809 credit score; 620 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x56 mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX post close reserves, 84.95 months PITIA; 3 months required reserves |
| 9067265 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Property is XXX which is greater than the maximum XXX allowed per guidelines. Client provided an exception request to allow the loan with greater than XXX XXX deems exception non material / non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 7 years 8 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 33.40% is 16.60% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 691 is 31 points above the 660 FICO required for the program. |
| 9067442 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide PITI from XXX loan for property XXX, XXX | 2.21.2025-Client's response: XXX, 3:55:24 pmPlease find the PITI for the recently closed loan for XXX2.21.2025-XXX response: Received the PITI for XXX, exception satisfied. | 2.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 162.99 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below guideline maximum of 80% for an Alt Doc purchase with a 746 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 716 exceeds guideline minimum of 660 for an Alt Doc purchase at 75% LTV. |
| 9067266 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | 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 | Please provide proof of receipt for LE dated XXX and CD dated XXX | 2.26.25-Client provided CD issued XXX with e-signature on XXX. Also provided LE issued 2/3/25, e-signed on XXX. Exception satisfied. | 2.26.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 772 is 112 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 28.04% is 51.96% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 248 months PITIA is 242 months greater than the 6 months reserves required. |
| 9067266 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for LE dated XXX and CD dated XXX. | 2.26.25-Client provided CD issued XXX with e-signature on XXX. Also provided LE issued XXX, e-signed on XXX. Exception satisfied. | 2.26.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 772 is 112 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 28.04% is 51.96% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 248 months PITIA is 242 months greater than the 6 months reserves required. |
| 9067369 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 125.73 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is below guideline maximum of 80% for a DSCR cash out refinance with a 760 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067417 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 103 Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: None reporting |
| 9067316 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX post close reserves, 11.73 months PITI; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 credit score; 680 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the primary residence 9.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x34 mortgage payment history |
| 9067295 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing cash out purpose letter | 2.13.25 Email uploaded which explains the use for the cash out funds XXX exception satisfied | 2.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 10.12 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.52% is below guideline maximum of 65% for an Alt Doc cash out refinance with a 625 credit score.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 15 years. |
| 9067420 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75.00% LTV < guideline requirement of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 705 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 9+ years. |
| 9067267 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied | D A | D A | CRDTIL865 | Title incomplete | No | Provide title commitment showing XXX as insured amount. | 2.25.2025 Client responded - Commitment has been amended to show the correct loan amount, copy has been uploaded. Please clear condition.2.25.2025 Client provided the updated Title with the correct loan amount. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 credit score; 660 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 55% LTV; 75% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x27 mortgage payment history |
| 9067329 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.13.25 Please find the final SS for review.2.13.25 exception satisfied | 2.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 134.57 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 62.09% is below guideline maximum of 80% for a DSCR cash out refinance with a 768 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX. |
| 9067268 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out of XXX exceeds guideline maximum of XXX. j LTV is greater than 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 36.56% is below guideline maximum of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 107.08 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is below guideline maximum of 80% |
| 9067296 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 69+ Months reporting<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Demonstrates positive Mortgage History |
| 9067353 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 48+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history. |
| 9067310 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 49.46 months. 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 75%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 16 years. |
| 9067270 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | 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 LE dated XXX. | 2.13.25-Client provided proof of receipt of LE issued XXX, via email on XXX. Satisfied. | 2.13.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 12.33 months. 6 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 40.01% is below guideline maximum of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX |
| 9067372 | XXXXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines requires 6 months of reserves; file has 3.92 months. Credit Exception in file. XXX deems this non-material due to following compensating factors; 748 FICO, 75% loan to value, 0x30 mortgage payment history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 446+ Months Consumer Credit reporting |
| 9067432 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 122.34 months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 60 months with 0x30 consumer credit payment history exceeds guidelines of 24 months |
| 9067330 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.25.25 final settlement statement has been uploaded2.25.5 Exception satisfied | 2.25.5 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Post close reserves are XXX, or 5.79 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 68.68% is below guideline maximum of 80% for a DSCR purchase with a 790 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 790 exceeds guideline minimum of 620 for a DSCR purchase at 68.68% LTV. |
| 9067331 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14 Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 27+ Months Consumer Credit reporting |
| 9067365 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 35.21 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70.22% is below guideline maximum of 75% for a DSCR cash out refinance with a 705 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067422 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5 years 6 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 32 months PITIA is 26 months greater than the 6 months reserves required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is good. |
| 9067444 | XXXXXX | MA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Exception to be cancelled. Homeowners insurance policy reflects the renewal information. Current insurance policy covers from XXX - XXX with a premium of XXX. Renewal policy covers XXX - XXX with a premium of XXX | 2.20.2025 Client responded - please clear exception.2.20.2025 After further review, previous effective dates for Insurance are on the Declaration term: XXX through XXX Insurance in force with closing date of XXX. Exception satisfied | 2.20.2025 Exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, 59.88 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75.90% is below the maximum of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 48 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 26.06% is below the maximum of 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX with same business 25 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Residing at current primary for 19 years |
| 9067354 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | D A | D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declaration policy. | 2.20.2025 Client responded - please find the final flood ins2.20.2025 Client provided the Flood Insurance Declaration. Exception satisfied | 2.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 14.57 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score exceeds 620 requirements |
| 9067354 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.20.2025 Client responded - please find the final SS for review.2.20.2025 Client provided the Final HUD Settlement Statement. Exception satisfied | 2.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 14.57 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score exceeds 620 requirements |
| 9067377 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | D A | D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declarations Page. Flood Application in file... | 2.20.2025 Client responded - please find the documents for review.2.20.2025 Client provided the Flood insurance. Exception satisfied | 2.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 19 Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 86+ Months Consumer Credit reporting positive |
| 9067377 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.20.2025 Client responded - please find the documents for review.2.20.2025 Client provided a signed copy of the HUD settlement statement. Exception satisfied | 2.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 19 Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 86+ Months Consumer Credit reporting positive |
| 9067412 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 12 months prior rental history required, 0 months verified. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 55.19% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 95 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 45.38 months of reserves in file. |
| 9067366 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26+ months cash reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence 15 years. |
| 9067445 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of 5.68% is 44.32% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 746 is 86 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 178 months PITIA is 172 months greater than the 6 months reserves required. |
| 9067313 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 19.34 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is below guideline maximum of 75% for a DSCR with a ratio < 1.0<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with a history from XXX. |
| 9067317 | XXXXXX | UT | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Active | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves in file of 4.16 months PITIA is less than the minimum 6 months reserves required with a DSCR under 1.00. XXX deems exception non-material / non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 795 is 155 points above the 640 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 56.10% is 23.90% below the 80% LTV allowed for the program.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 9067395 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 792 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 74.04 months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 76 months with 0x30 consumer credit payment history exceeds guidelines of 24 months |
| 9067346 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x23 mortgage payment history<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 768 credit score; 680 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX post close reserves, 7.61 months PITIA; 6 months required reserves |
| 9067347 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 77+ Months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 60+ Months reporting |
| 9067342 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.20.25 HUD received | 2.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has owned current residence for 4 years<br>CFCFS2860: Good credit history<br> - XXX Comments: V1 and B2 have good credit history 0 x 30 in last 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 64.14 months reserves |
| 9067342 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied | D A | D A | CRDTIL865 | Title incomplete | No | Provide updated Title in the names of the Borrowers. Supplemental in file is in the name of Buyer XXX in the amount of XXX | 2.21.2025-Client's response: XXX, 5:50:41 pmPreliminary report has been uploaded showing the correct borrowers, please clear condition.2.21.2025-XXX response: Received the Supplemental Report/Commitment with the corrections, exception satisfied. | 2.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has owned current residence for 4 years<br>CFCFS2860: Good credit history<br> - XXX Comments: V1 and B2 have good credit history 0 x 30 in last 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 64.14 months reserves |
| 9067447 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX #XXX asset statement to document and source balance of XXX. Funds to close must be sourced and seasoned 10 days. The asset printout provided is incomplete does not show borrower as owner of the account | 2.213.25 XXX #XXX asset statement to source balance of XXX and XXX statement with the borrower's name highlighted has been uploaded,2.13.25 exception satisfied | 2.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 731 credit score; 660 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5.58 years at the primary residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 5 years in the same profession |
| 9067447 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.13.25 Final settlement statement has been uploaded2.13.25 exception satisfied | 2.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 731 credit score; 660 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5.58 years at the primary residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 5 years in the same profession |
| 9067375 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance | 2.14.25 please find the final flood ins for review.2.14.25 No Flood INS document provided. Please re-submit.2.21.2025-Client's response: XXX, 5:05:10 pmuploaded for review.2.21.2025-XXX response: Received Flood Insurance without effective and expiration dates. Exception remains.2.5.25 - Flood ins recevied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX post close reserves, 91.49 months PITIA; 0 required reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence 30 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 700 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 52.10% LTV; 70% maximum LTV |
| 9067333 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Active | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines require 6 months of reserves; file has 4.57 months in reserves. Credit Exception in the file. XXX deems this non-material due to the following compensating factors; 751 FICO, mortgage payment history is 0x30, 5 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99+ Months reporting positive<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 193+ Months reporting |
| 9067333 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.25.2025 Client responded - Final Settlement statement has been uploaded, please clear condition.2.25.2025 Client provided the Final HUD settlement statement. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99+ Months reporting positive<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 193+ Months reporting |
| 9067334 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines requires 6 months reserves file has 4.83 months. Lender Exception in the file. XXX deems this non-material due to compensating factors, 751 FICO, 5 years at current residence, and good mortgage payment history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence 5 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months credit history exceeds guidelines. |
| 9067334 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | The Mortgage shows the borrower as UNASSIGNED. Provide Mortgage with correct borrower. | 2.14.25 Deed of Trust showing the name of the borrower has been uploaded2.17.25 exception satisfied | 2.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence 5 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months credit history exceeds guidelines. |
| 9067334 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Title | Satisfied | D A | D A | CRDTIL865 | Title incomplete | No | Provide title commitment with correct policy amount of XX | 2.14.25 Title supplement showing policy amount will be XXX as been uploaded,2.17.25 exception satisfied | 2,17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence 5 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months credit history exceeds guidelines. |
| 9067426 | XXXXXX | TN | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Guidelines require XXX equity for subject property. Subject property has XXX. XXX deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 97+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history. |
| 9067311 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 2.27.25 please find the SS for review.2.28.25 exception satisfied | 2.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 787 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 55% LTV < guideline requirement of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 14.72 months PITI |
| 9067379 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 45.93% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves from cash out; $0 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 22mo. 0X30 mortgage payment history; 0x30x12 required. |
| 9067391 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide W-8BEN. | 2.19.25 W-8BEN has been uploaded, 2.19.25 exception satisfied | 2.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 87.87 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.90% is below guideline maximum of 75% for a DSCR Purchase with a 680 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 680 exceeds guideline minimum of 620 for a DSCR purchase at 42.90% LTV. |
| 9067273 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Condo Questionnaire and Condo Budget completed by HOA/Management | 2.24.2024 Client responded - please find the questionnaire and budget.2.24.2025 Client provided the Condo Questionnaire and budget. Exception satisfied | 2.24.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 19 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 90+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28+ Months reporting positive |
| 9067298 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | 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 | Please provide proof of receipt for CD dated XXX | 2.17.25-Client provided CDs issued XXX & XXX, e-signed on issue dates. Exception Satisfied. | 2.17.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 20.33 months. 12 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80.80% is below guideline maximum of 85% for an Alt Doc purchase with a 699 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 13.88% is below guideline maximum of 50%. |
| 9067298 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD dated XXX. | 2.17.25-Client provided CDs issued XXX & XXX, e-signed on issue dates. Exception Satisfied. | 2.17.25- Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 20.33 months. 12 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80.80% is below guideline maximum of 85% for an Alt Doc purchase with a 699 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 13.88% is below guideline maximum of 50%. |
| 9067298 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Provide COC issued within 3 business days of LE issued XXX for increase in appraisal fee OR provide additional tolernace cure of 15.00 for appraisal fee increase, including PCCD, LOX , Copy of cure check with proof of delivery within 60 days of consummation. | 2.17.25-Client provided COC issued XXX. Exception satisfied. | 2.17.25-Exception satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 20.33 months. 12 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80.80% is below guideline maximum of 85% for an Alt Doc purchase with a 699 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 13.88% is below guideline maximum of 50%. |
| 9067390 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 122+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 39+ Months reporting positive |
| 9067274 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | 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 of Receipt for Initial CD dated XXX. | 2.17.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 2.17.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 797 qualifying score exceeds 660 requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 45.87% LTV < guideline requirement of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 797 qualifying score exceeds 660 requirements |
| 9067274 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | 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 Initial CD dated XXX. | 2.17.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 2.17.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 797 qualifying score exceeds 660 requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 45.87% LTV < guideline requirement of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 797 qualifying score exceeds 660 requirements |
| 9067373 | XXXXXX | UT | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing HOI declaration reflecting XXX. or RCE; Policy in file reflects dwelling coverage of XXX | 2.25.2025 Client responded Updated policy declaration page showing coverage of XXX has been uploaded, please clear condition.2.25.2025 Client provided an updated HOI policy. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 726 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or 31.36 months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 216 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 9067401 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 706 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 165 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 49.99 months of reserves in file. |
| 9067448 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo questionnaire completed by HOA | 02.20.2025-Client's response: XXX, 1:10:42 pmPlease find the hoa questionnaire.02.20.2025-XXX response: Received the HOA Questionnaire, exception satisfied. | 02.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 18.17 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 credit score; 700 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 42.15 months PITI reserves; guidelines require 6 months reserves. |
| 9067356 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 667 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, 129..05 months reserves, 3 months required<br>CFCFS2860: Good credit history<br> - XXX Comments: 4% revolving credit usage |
| 9067392 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied | D A | D A | CRDTIL865 | Title incomplete | No | Provide a title commitment with a policy amount of XXX | 2.21.2025-Client's response: XXX, 1:47:37 pmplease find the final title policy for review.2.21.2025-XXX response: Received the Final Title Policy, exception is satisfied. | 2.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 98 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 120+ Months reporting positive |
| 9067407 | XXXXXX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 72.30 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 46.51% is below guideline maximum of 70% for a DSCR cash out refinance with a 669 credit score.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 24 years. |
| 9067387 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned property for 6 years 4 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0 x 30 for the last 24 months with Credit score of 774<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 17.95 months reserves |
| 9067361 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Need all citizenship/residency documentation translated. | 2.25.25 Client responded - Per guides only doc needed for borrower is passport and proof of citizenship there is no requirement for translation for no documents please clear findings.2.25.2025 After further review, W-8 and passport in file. Loan closed as a XXX. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived 5 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14+ months cash reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has good credit history. |
| 9067336 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 71.88 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 59.654% is below guideline maximum of 75% for a DSCR with a ratio < 1.0<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9067300 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9 years 1 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 739 is 39 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 9067393 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX or 9.11 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 53.22% is below guideline maximum of 80% for a DSCR cash out refinance with a 750 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 750 exceeds guideline minimum of 620 for a DSCR cash out refinance at 53.22% LTV. |
| 9067431 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: XXX (Funds from HUD) / XXX (PITI) = 124 Months Reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% below 80% requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 754 exceeds 620 requirement |
| 9067449 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 40 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 728, min is 620.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 4 years. |
| 9067433 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.20.2025-Client's response: XXX, 1:33:58 pmplease find the final SS2.20.2025-XXX response: Received the Final HUD1, exception satisfied. | 2.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 6 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 43.03% is 31.97% below the 75% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 812 is 192 points above the 620 FICO required for the program. |
| 9067414 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 114.62 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 80% for a DSCR cash out refinance with a 754 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX. |
| 9067277 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Compliance | Documentation | Satisfied | C A | C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Final CD XXX is hand signed by borrower XXX. Closing information section is missing Date issued. Projected payments section estimated taxes, insurance and assessments section is missing HOA amount disclosure. Calculating cash to close section missing LE figures. Loan disclosures - escrow account does not disclose an amount for non-escrowed property costs over year 1. The HOA fee should be listed. Loan calculations section is blank. Contact information is missing mortgage broker information.CNXXX | 2.25.25-Client provided PCCD issued XXX. Exception satisfied. | 2.25.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below guideline maximum of 85% for an Alt Doc purchase with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.47% is below guideline maximum of 50%. |
| 9067277 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D 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 | 10 tolerance fail for $4.50 due to increase in recording fee. No COC provided to disclose increase in fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 3.19.25-Client provided PCCD. Tolerance check & LOX, Satisfied. | 3.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below guideline maximum of 85% for an Alt Doc purchase with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.47% is below guideline maximum of 50%. |
| 9067277 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | CD XXX The Partial Payments section of the Loan Disclosures section has no options selected. | 2.25.25-Client provided PCCD issued XXX. Exception satisfied. | 2.25.25- Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below guideline maximum of 85% for an Alt Doc purchase with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.47% is below guideline maximum of 50%. |
| 9067277 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 2.25.2025 Client responded - Uploaded the HOA questionnaire, for review. 2.25.2025 Client provided the HOA questionnaire. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below guideline maximum of 85% for an Alt Doc purchase with a 790 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.47% is below guideline maximum of 50%. |
| 9054258 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 13.92 months; 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 747 and minimum is 700 |
| 9054334 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Application | Satisfied | B A | B A | CRDAPP2418 | Ownership history inaccurate / incomplete | No | Current lien seasoning is less than one year.Guidelines (Sec 1.4.1.2, Page 25) require on a Rate Term refinance that the loan being refinanced be seasoned 12-months (from previous note date to new note date) or evidence that no cash out was provided (Copy of HUD); if not loan is considered a Cash out refinance. XXX deems non-material/non-fatal due to only 2 days from meeting the 1 year requirement. Loan closed XXX and refinanced loan closed XXX. Compensating factors include: credit score of 724/660, Property owned since 2016, and significant reduction in housing expense (29%). | 2-12-25: client uploaded copy of final HUD1 and guidelines for rate/term refinance. | 2-12-25: XXX reviewed final HUD1 and guidelines; HUD1 shows borrower brought XXX to closing and was refunded excess funds, this is not a cash out transaction. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by XXX/month or 29.32%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 722 exceeds the minimum of 660 based on LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, .79 months reserves, 0 months required |
| 9054334 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation supporting borrower living rent free in XXX (no letter in file from parents) and explanation as to why bank statements and credit report support borrower living in XXX. Deed of Trust was notarized in XXX which XXX is located in XXX County. | 3-13-25 Client uploaded rent free letter. | 3-13-25 XXX reviewed letter. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by XXX/month or 29.32%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 722 exceeds the minimum of 660 based on LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, .79 months reserves, 0 months required |
| 9054334 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | One unit of the 3 units is vacant. Per guidelines, unleased property is allowed with a max LTV of 70%. Loan closed at 75% LTV. XXX deems non-material/non-fatal to lending decision due to 724 credit score/660 minimum, subject owned since 2016, and significant housing reduction (29%). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by XXX/month or 29.32%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 722 exceeds the minimum of 660 based on LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, .79 months reserves, 0 months required |
| 9054334 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing Articles of Organization and evidence XXX is in Good Standing (State Certificate of Existence letter in file dated XXX). | 2-18-25 Client uploaded docs. | 2-18-25 XXX reviewed docs. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by XXX/month or 29.32%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 722 exceeds the minimum of 660 based on LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, .79 months reserves, 0 months required |
| 9054254 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 39.89 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 774 and minimum is 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments with 12 years of credit history reporting. |

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| **Client Name:** |  |
| **Client Project Name:** |  |
| **Start - End Dates:** |  |
| **Deal Loan Count:** |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *168* |
| ***Loans with Conditions:*** | *81* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 8098358 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 8148628 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9054354 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 9042466 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 8985948 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9042481 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9042438 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9042453 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9042484 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054265 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9054212 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9042556 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054328 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054264 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9042407 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9042393 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054189 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 9054283 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 9042569 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9054376 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9042461 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9042398 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9054347 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9054195 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9054410 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9054329 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9054229 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054197 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9054356 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9042372 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9054362 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054373 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054306 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9054231 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9054398 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054402 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9054343 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054335 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9054284 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9054385 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9042541 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9054361 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9042431 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9042546 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 6972189 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 8087252 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 8087344 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 8059016 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 8175703 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9031935 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 8999049 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9036171 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9031955 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9067253 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067254 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 9067439 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067408 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 9067337 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067440 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9067409 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9036111 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9036162 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9036068 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9067428 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9036069 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9036049 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9036056 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9036080 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067410 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067370 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9036082 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9067385 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067435 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 9067322 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067323 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9067286 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 9067260 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 9067351 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 9067312 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067289 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067315 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9067418 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9067415 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067290 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067261 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067398 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067399 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9067425 | Yes | XXXXXX | XXXXXX A B | N/A | N/A B | N/A | N/A | Yes |
| 9067421 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9067423 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 9067438 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067326 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067262 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067376 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067327 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9067263 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9067348 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9067293 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 9067416 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067386 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067374 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067380 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 9067264 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| 9067403 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067265 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9067442 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9067266 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 9067369 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067417 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067316 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067295 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067420 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067267 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067329 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9067268 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9067296 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067353 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 9067310 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067270 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Yes |
| 9067372 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9067432 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067330 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067331 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067365 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067422 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067444 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9067354 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9067377 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9067412 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9067366 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9067445 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067313 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067317 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 9067395 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067346 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067347 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067342 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067447 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067375 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067333 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 9067334 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9067426 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 9067311 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067379 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067391 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9067273 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9067298 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 9067390 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067274 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 9067373 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 9067401 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9067448 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067356 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067392 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067407 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9067387 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067361 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 9067336 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067300 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067393 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067431 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067449 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9067433 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9067414 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9067277 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 9054258 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9054334 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 9054254 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | Morgan Stanley |
| **Client Project Name:** | MSRM 2025-NQM4 |
| **Start - End Dates:** | 12/15/2023 - 3/17/2025 |
| **Deal Loan Count:** | 168 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *168* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 8098358 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 8148628 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 8148628 | XXXXXX | Months Reserves | 11.00 | 11.02 |
| 8148628 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054354 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054354 | XXXXXX | Months Reserves | '-138.00 | 51.79 |
| 9054354 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042466 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042466 | XXXXXX | Combined LTV | 67.20 | 70.00 |
| 9042466 | XXXXXX | Months Reserves | 36.00 | 36.20 |
| 9042466 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 8985948 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 8985948 | XXXXXX | Combined LTV | 57.89 | 67.90 |
| 8985948 | XXXXXX | Months Reserves | 44.00 | 43.90 |
| 8985948 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 8985948 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042481 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042481 | XXXXXX | Combined LTV | 72.56 | 80.00 |
| 9042481 | XXXXXX | Months Reserves | 3.00 | 3.17 |
| 9042481 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9042481 | XXXXXX | Property Type | SFR | SFR-Attached |
| 9042481 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042438 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042438 | XXXXXX | Months Reserves | 7.00 | 33.99 |
| 9042438 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9042438 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042453 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9042484 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042484 | XXXXXX | Months Reserves | 15.00 | 14.68 |
| 9042484 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054265 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054212 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054212 | XXXXXX | Months Reserves | '-28.00 | 44.51 |
| 9054212 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042556 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9054328 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054264 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054264 | XXXXXX | Months Reserves | 12.00 | 11.27 |
| 9054264 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9054264 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042407 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042407 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9042407 | XXXXXX | Months Reserves | 6.00 | 53.84 |
| 9042393 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042393 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9042393 | XXXXXX | Months Reserves | 23.00 | 22.90 |
| 9042393 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054189 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054189 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9054189 | XXXXXX | Months Reserves | 34.00 | 28.61 |
| 9054189 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9054189 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054283 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054283 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9054283 | XXXXXX | Months Reserves | 42.00 | 27.47 |
| 9054283 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9054283 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042569 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9042569 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9042569 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054376 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9042461 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042461 | XXXXXX | Months Reserves | 41.00 | 41.20 |
| 9042461 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042398 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042398 | XXXXXX | Months Reserves | 11.00 | 11.16 |
| 9042398 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054347 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9054347 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9054195 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054195 | XXXXXX | Combined LTV | 76.13 | 80.00 |
| 9054195 | XXXXXX | Months Reserves | 21.00 | 20.54 |
| 9054195 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054410 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054197 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054197 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9054197 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054356 | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 9054356 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042372 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042372 | XXXXXX | Months Reserves | 12.00 | 8.74 |
| 9042372 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054362 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054362 | XXXXXX | Combined LTV | 69.23 | 75.00 |
| 9054362 | XXXXXX | Months Reserves | 8.00 | 23.51 |
| 9054362 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054373 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054373 | XXXXXX | Months Reserves | 3.00 | 2.62 |
| 9054373 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9054373 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054306 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054306 | XXXXXX | Months Reserves | 1.00 | 1.08 |
| 9054306 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054231 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9054343 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054343 | XXXXXX | Months Reserves | 6.00 | 35.08 |
| 9054335 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054335 | XXXXXX | Months Reserves | 1.00 | 1.31 |
| 9054335 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054284 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054284 | XXXXXX | Months Reserves | 113.00 | 1.68 |
| 9054284 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054385 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9042541 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042541 | XXXXXX | Months Reserves | 6.00 | 5.81 |
| 9042541 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9042541 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042431 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042431 | XXXXXX | Combined LTV | 55.88 | 75.00 |
| 9042431 | XXXXXX | Months Reserves | 74.00 | 64.82 |
| 9042431 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9042546 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9042546 | XXXXXX | Months Reserves | 89.00 | 119.97 |
| 9042546 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9042546 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 8087252 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 8087252 | XXXXXX | Months Reserves | 21.00 | 7.21 |
| 8087344 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 8087344 | XXXXXX | Months Reserves | 85.00 | 93.36 |
| 8175703 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 8175703 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 8175703 | XXXXXX | Months Reserves | 25.00 | 14.86 |
| 9031935 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9031935 | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 9036171 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9036171 | XXXXXX | Months Reserves | 7.00 | 14.95 |
| 9036171 | XXXXXX | Representative Credit Score for Grading | 745 | 742 |
| 9031955 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9031955 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067337 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067440 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067440 | XXXXXX | Months Reserves | 125.00 | 40.01 |
| 9036068 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067428 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067410 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067322 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067322 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067286 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067351 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9067289 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067289 | XXXXXX | Months Reserves | 59.00 | 17.37 |
| 9067290 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067290 | XXXXXX | Months Reserves | 90.00 | 74.10 |
| 9067290 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067261 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067398 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067425 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 9067438 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067438 | XXXXXX | Number of Units | 2 | 1 |
| 9067438 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067438 | XXXXXX | Property Type | 2 Family | SFR |
| 9067438 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067262 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067262 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067262 | XXXXXX | Months Reserves | 19.00 | 26.08 |
| 9067376 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067327 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067263 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067263 | XXXXXX | Months Reserves | 273.00 | 241.07 |
| 9067348 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067293 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067386 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 9067374 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067380 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067403 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067403 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067403 | XXXXXX | Months Reserves | 288.00 | 84.95 |
| 9067265 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067266 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067266 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067266 | XXXXXX | Months Reserves | 296.00 | 248.72 |
| 9067266 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067417 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067295 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067295 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067295 | XXXXXX | Months Reserves | 8.00 | 10.12 |
| 9067420 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067420 | XXXXXX | Months Reserves | 27.00 | 21.45 |
| 9067267 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067329 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067268 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067268 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067268 | XXXXXX | Months Reserves | 122.00 | 107.08 |
| 9067268 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067310 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067270 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067270 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067270 | XXXXXX | Months Reserves | 11.00 | 12.33 |
| 9067372 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067432 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067365 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067422 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067444 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067377 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067366 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067366 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067445 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067445 | XXXXXX | Months Reserves | 132.00 | 181.33 |
| 9067395 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067347 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067347 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067342 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067375 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067375 | XXXXXX | Months Reserves | 85.00 | 91.49 |
| 9067333 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067333 | XXXXXX | Months Reserves | 2.00 | 4.57 |
| 9067333 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067334 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067311 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067311 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 9067379 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067391 | XXXXXX | Borrower DSCR Percent | 1.2100 | 1.3651 |
| 9067298 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067298 | XXXXXX | Months Reserves | 68.00 | 20.33 |
| 9067274 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067401 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067401 | XXXXXX | Months Reserves | 43.00 | 45.31 |
| 9067448 | XXXXXX | DTI Qualifying (Back) | 15.2300 | 20.8500 |
| 9067392 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9067336 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067393 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9067431 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9067449 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9067449 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9067449 | XXXXXX | Months Reserves | 45.00 | 40.89 |
| 9054258 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9054334 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9054334 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9054254 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9054254 | XXXXXX | Months Reserves | 42.00 | 39.89 |
| 9054254 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

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## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM4** |
| **Start - End Dates:** | **12/15/2023 - 3/17/2025** |
| **Deal Loan Count:** | **168** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *168* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 8098358 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8148628 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9054354 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042466 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8985948 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042481 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042438 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042453 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042484 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054265 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054212 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042556 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054328 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054264 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042407 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042393 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054189 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054283 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042569 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054376 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042461 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9054347 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054195 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054410 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054329 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054229 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054197 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9054356 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042372 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7652 | XXXXXX | 8.5435 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 49272.77 |
| 9054362 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054373 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054306 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054231 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054402 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9054343 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054335 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9054284 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054385 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21745 | XXXXXX | 7.5897 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9042541 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054361 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042431 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9042546 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6972189 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8087252 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8087344 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8059016 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8175703 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9031935 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8999049 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6773 | XXXXXX | 8.629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9036171 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9031955 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9067253 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 43201.81 | XXXXXX | 8.2365 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067254 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12526.66 | XXXXXX | 8.5019 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22974.45 |
| 9067439 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067408 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067337 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067440 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067409 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036111 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036162 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036068 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067428 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036069 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036049 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036056 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9036080 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067410 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067370 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9036082 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067385 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067435 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067322 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067323 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067286 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 34226.5 | XXXXXX | 8.7164 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 243721.33 |
| 9067260 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 40119 | XXXXXX | 8.1643 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067351 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9067312 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067289 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10375.88 | XXXXXX | 7.9104 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 52043.42 |
| 9067315 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067418 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067415 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067290 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067261 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8052 | XXXXXX | 8.9266 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 9067398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067399 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067425 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067421 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067423 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067438 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067326 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067262 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15094 | XXXXXX | 8.3182 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9067376 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9067327 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067263 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14797.05 | XXXXXX | 8.232 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067348 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067293 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5694 | XXXXXX | 9.0661 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2618.39 |
| 9067416 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9067386 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067374 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067380 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067264 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7711.5 | XXXXXX | 7.9791 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9067403 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067265 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11556.96 | XXXXXX | 8.1447 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15788.77 |
| 9067442 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067266 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7687.75 | XXXXXX | 7.3206 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067369 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067417 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067316 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067295 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17821.9 | XXXXXX | 9.554 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067420 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067267 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6110.5 | XXXXXX | 7.275 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067329 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067268 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10569.13 | XXXXXX | 7.8484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9067296 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 38819 | XXXXXX | 9.349 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9067353 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067310 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067270 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 49458.19 | XXXXXX | 9.9107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067372 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067432 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067330 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067331 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9067365 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067422 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067444 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067354 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067377 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067412 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067366 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067445 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067313 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067317 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067395 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067346 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9067347 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067342 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067447 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067375 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067333 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067334 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067426 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067311 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067379 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067391 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9067273 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6170.81 | XXXXXX | 8.1303 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067298 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9056.75 | XXXXXX | 8.5125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9067390 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067274 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7631.5 | XXXXXX | 7.078 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22780.9 |
| 9067373 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067401 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067448 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9067356 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067392 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067407 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067387 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067361 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9067336 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067300 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 36441.5 | XXXXXX | 10.5401 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14878.2 |
| 9067393 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067431 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067449 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067414 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9067277 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2625.38 | XXXXXX | 7.2467 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9054258 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054334 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9054254 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |

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## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2025-NQM4 |
| **Start - End Dates:** | 12/15/2023 - 3/17/2025 |
| **Deal Loan Count:** | 168 |
| **Valuations Summary** |  |
| *Loans in Report:* | *168* |

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|  |  |  |  |  | **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** |
| 8098358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 8148628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.9 |
| 9054354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.3 |
| 9042466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 8985948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9042481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9042438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9042453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4 |
| 9042484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9054212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3 |
| 9042556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9054328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9054264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9042407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9042393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9054189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.85% |  | $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% | 4.6 |
| 9054283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9042569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9054376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9042461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.2 |
| 9042398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9054347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9054195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9054410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4 |
| 9054229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9054356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9042372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9054362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4 |
| 9054373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9054306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3 |
| 9054231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9054398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9054343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 9054335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9054284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4 |
| 9042541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.5 |
| 9054361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9042431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9042546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.6 |
| 6972189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 8087252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 8087344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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% | 4.5 |
| 8059016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 8175703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9031935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 8999049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9031955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.37% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 9067253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3 |
| 9067254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9067439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3 |
| 9067337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.7 |
| 9067409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 9036111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.8 |
| 9036068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9036080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9036082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9067385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.20% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9067435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -5.56% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 9067323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.4 |
| 9067260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9067351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.1 |
| 9067289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.6 |
| 9067290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.39% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9067326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 17.84% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 9067262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 9067376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9067263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.8 |
| 9067293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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) |
| 9067386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 5 |
| 9067380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9067264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.1 |
| 9067403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9067369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.2 |
| 9067316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.4 |
| 9067329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.7 |
| 9067268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.2 |
| 9067353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 9067270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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) |
| 9067432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9067365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9067422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.3 |
| 9067354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.5 |
| 9067377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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) |
| 9067412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.8 |
| 9067317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.8 |
| 9067395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.05% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9067342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.8 |
| 9067333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.35% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9067334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.35% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9067426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.6 |
| 9067311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.5 |
| 9067391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.8 |
| 9067273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.6 |
| 9067390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.7 |
| 9067401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9067448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| 9067356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9067392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.2 |
| 9067387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.4 |
| 9067336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.7 |
| 9067433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3 |
| 9067414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 9067277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9054258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.9 |
| 9054334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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) |
| 9054254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -0.30% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **MSRM 2025-NQM4** |
| **Start - End Dates:** | **12/15/2023 - 3/17/2025** |
| **Deal Loan Count:** | **168** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <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

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.5**

![](ex995001.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 newly originated residential mortgage loans acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 124 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2025-NQM4 (the "Securitization"). The Review was conducted from January 2024 through April 2025 on mortgage loans originated between July 2023 and April 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:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● 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.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject
properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. 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

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. 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

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 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
 the 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:

i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

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

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;

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

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

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 cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of 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. Notice
 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 required 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;j. Confirm
 through NMLS the loan originator and originating 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 (124 loans in total):

One (1) loan had a Secondary Appraisal, and one hundred fifteen (115) loans had Desktop Reviews. In one (1) instance, loans had both a Secondary Appraisal and Desk Review(s). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal 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-four (124) mortgage loans reviewed, six (6) unique mortgage loans (4.84% by loan count) had a total of ten (10) discrepancies across five (5) 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**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;4 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &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 | 119 | $26791658.00 | 95.97% |
| Event Grade B | 5 | $3219850.00 | 4.03% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 124 | $30011508.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 122 | 98.39% |
| Event Grade B | 2 | 1.61% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 124 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 119 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 119 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 119 loans within the population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 5 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 5 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 121 | 97.58% |
| Event Grade B | 3 | 2.42% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 124 | 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<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;98 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title/Lien Selling Violation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Calculation/Analysis | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Leasehold Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp; Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Excessive Cash-Out Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***124*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV or ARLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Debt Service Coverage Ratio Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;107 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***107*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;57 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal Desk Review | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal Update | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***108*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |

---

**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;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &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;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &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

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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/Morningstar)** | **Initial Overall Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Initial Overall Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Initial Overall Grade (Moodys)** | **Initial Compliance Grade (Moodys)** | **Initial Overall Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Overall Grade (DBRS/Morningstar)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| XXXXX | 9053521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053521 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053523 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053488 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Acknowledged | XXXXX | Credit | Debt Service Coverage Ratio Eligibility | DSCR of XXX > XXX for non-qualifying property with an As-Is value of $XXX < $XXX | Credit profile is clean and would qualify for DSCR below 1.2 if the property value qualified \| Property has been recnetly renovated and is rent ready \| Rate term refinance with a near net neutral closing | 1/16/2025 | Received | 1/14/2025 | C B A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053489 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053524 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Credit | Title/Lien Selling Violation | Missing Tax Certificate | 20250205: Uploaded | 2/5/2025 | Received | 2/5/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053586 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250121: Uploaded | 1/21/2025 | Received | 1/21/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053492 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Credit Documentation | Missing Articles of Organization/Incorporation for borrowing entity | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Credit Documentation | Missing Certificate of Good Standing for borrowing entity | 20250116: Uploaded | 1/16/2025 | Received | 1/17/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/21/2025 | Resolved | XXXXX | Property | Missing Appraisal Update | Missing Appraisal 1004D for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053494 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053525 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Credit | Title/Lien Selling Violation | Missing Tax Certificate | 20250205: Uploaded | 2/5/2025 | Received | 2/5/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053545 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Credit Documentation | Missing Articles of Organization/Incorporation for borrowing entity | 20250116: Uploaded | 1/16/2025 | Received | 1/18/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Credit Documentation | Missing Certificate of Good Standing for borrowing entity | 20250116: Uploaded | 1/16/2025 | Received | 1/19/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053495 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/14/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053526 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Acknowledged | XXXXX | Property | Ineligible Property | Ineligible : Characterized As "Rural" | 20250129: Exception uploaded | 1/29/2025 | Received | 1/29/2025 | Good equity position. Unit XXX is currently leased out. Unit XXX has been recently renovated and should have strong demand for lease when marketed. XXX, XXX is about XXX miles away from XXX, XXX, which will help with rental demand. C B A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053496 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053527 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/15/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053497 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053547 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Acknowledged | XXXXX | Property | Ineligible Property | Ineligible : Characterized As "Rural" | 20250129: Exception uploaded | 1/29/2025 | Received | 1/29/2025 | Properties are scatteed among multiple counties between XXX and XXX. ~XXX% of portfolio not considered rural and will be cross-collateralized within same portfolio as the few that are considered rural. Strong Fico C B A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/20/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at :XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/20/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053498 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/20/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX & XXX | 20250121: Uploaded | 1/21/2025 | Received | 1/21/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053499 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053549 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Title/Lien Selling Violation | Missing Tax Certificate | 20250116: Uploaded | 1/16/2025 | Received | 1/20/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053500 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053550 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Update | Missing Appraisal 1004D for property located at : XXX | 20250122: Uploaded | 1/21/2025 | Received | 1/22/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053501 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053529 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053532 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053504 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053505 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053506 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D B A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053506 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/21/2025 | Acknowledged | XXXXX | Property | Ineligible Property | Subject Property sq feet of XXX < XXX sq feet minimum required | Appraisal has comps in the immediate area that are similar or slightly higher in size, but XXX search provided a decent number of sub-XXX sqft properties in this market. Stong sponsor with L1C, has great liquidity, and FICO, and is very experienced in this market | 1/28/2025 | Received | 1/14/2025 | D B C A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053507 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053508 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | Title/Lien Selling Violation | Missing Tax Certificate | 20250116: Uploaded | 1/16/2025 | Received | 1/21/2025 | D B A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D B A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053509 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Acknowledged | XXXXX | Credit | LTV or ARLTV | LTV of XXX% > XXX% Maximum allowed per guidelines. - XXX% reduction due to Property located in XXX | Subject property is in XXX, which is within the XXX MSA and is receiving 75% LTV instead of the listed max 70% LTV. | 1/16/2025 | Received | 1/14/2025 | Multiple FNF and R30 properties within the subject property market have been successfully entered and exited by this borrower via L1C loans. Strong credit. D B A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053510 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053589 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053511 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/21/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/21/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053512 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/21/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053551 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053552 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053514 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053515 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053553 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at XXX | 20250129: Requested | 1/29/2025 |  | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053554 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053534 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053516 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Uploaded | 1/29/2025 | Received | 1/29/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053558 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250116: Uploaded | 1/16/2025 | Received | 1/16/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053517 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053559 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053518 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/29/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053563 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/31/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053565 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 2/1/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053566 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/29/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053567 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053568 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250122: Uploaded | 1/22/2025 | Received | 1/22/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053537 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053592 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053539 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053541 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053542 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/6/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053569 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | Missing Appraisal Update | Missing Appraisal 1004D for property located at : XXX | 20250122: Uploaded post closing stipulation | 1/22/2025 | Received | 1/22/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053519 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/30/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/30/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250206: Uploaded | 2/6/2025 | Received | 2/6/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/30/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/30/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053594 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053543 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 2/2/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053571 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 2/3/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053572 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Uploaded | 1/29/2025 | Received | 1/29/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053574 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/15/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053520 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/8/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053596 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053597 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250218: Uploaded 20250129: Requested | 1/28/2025 | Received | 2/18/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053575 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/5/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053576 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053577 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053578 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/29/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053579 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/31/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 2/1/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053581 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Credit | Title/Lien Selling Violation | Missing Tax Certificate | 20250205: Uploaded | 2/5/2025 | Received | 2/5/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/4/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053582 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053598 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053599 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250128: Uploaded | 1/28/2025 | Received | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053584 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/3/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053600 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Credit | Asset Calculation/Analysis | Insufficient Liquidity \| Verified assets of $XXX are less than minimum required of $XXX. Borrower short - XXX | 20250211: Attached bank statements for both sponsors' in order to meet total liquidity requirements. | 2/11/2025 | Received | 2/11/2025 | C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/6/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053613 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/6/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053601 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | Credit Documentation | Missing Backgroun check g2 : XXX | 20250128: Uploaded | 1/28/2025 | Received | 1/28/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053585 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250129: Requested | 1/29/2025 |  | 2/4/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053602 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Property | Missing Appraisal Desk Review | Missing Appraisal Desk Review for property located at : XXX | 20250205: Uploaded | 2/5/2025 | Received | 2/5/2025 | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053604 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053605 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 2/5/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053606 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053607 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053611 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/29/2025 | 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 | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 7005305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2024 | Resolved | XXXXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower is an inexperienced investor. WE do not have at least a XXX month mortgage history documented. We only have XXX months of payments documented on the loan we are paying off. No recent mortgages are reporting on the credit report. XXX guidelines XXX. | Document Uploaded. Hi, per our UW - The borrower is an experienced investor who has owned the subject property since XX/XX/XXX and another investment property (owned free & clear) located XXX since XX/XX/XXXX. The property profile for XXX. is located in the loan file to support. Additionally, we will not have a full 12-month payment history for the subject property since property was just purchased XX/XX/XXXX and per note in the file, the 1st payment was due on XX/X/XXXX and a 6 month payment history was provided. <br>\*\*\*Please note: XXX is owned by a different LLC that is owned by the borrower (XXX) and the LLC docs showing borrower ownership is located in the loan file, along with the property profile for XXX., evidencing the property owner is XXX.\*\*\* | 03/28/2024 | Additional information provided; exception resolved. | 04/03/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A | C A | A | C A | A | C A | A | C A | A | A | A | A | A | A | A |
| XXXXX | 7005305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2024 | Resolved | XXXXX | Credit | Leasehold Agreement Missing | Leasehold agreement does not meet FNMA guidelines in B2-XXX-XXX. The term of the lease must run for a minimum of XXX years past the maturity date (lease ends XX/XX/XXXX.) It's also missing the requirement for the borrower to pay taxes, insurance and HOA dues, it's missing provisions to protect the mortgagee's interest in the event of a property condemnation, and must provide lenders with the right to receive XXX days notice of any default by the borrower and the option to cure the default or take over the borrower's rights under the lease. Leasehold Agreement Missing | Document Uploaded. Hi, per our UW - The this Lease is on pages 343-345 of our package.; Hi, per our UW - The leasehold was reviewed and approved by management on XX/XX/XXXX with these notes:<br> A)Lease created XX/XX/XXXX (XXX to XXX)for two lots , including the subject property at XXX<br> B)Prior lease from XXX XX/XX/XXXX (less than 1 month prior) and same day from XXX, Trustee conveying a reversionary interest<br> C) 99 year lease (expires XXX) for $XXX per year, semi annual payments XXX 1st / XXX 1st<br> D)Standard 60 day possession; 6 month reversion for arrearages<br> E)Renewable for $1 , same terms , additional 99 years and "...from time to time forever"<br> F)Deed of ground rent from XXX to XXX XX/XX/XXXX (rights to ground rents sold) | 04/03/2024 | Leasehold provided; exception resolved; Lease agreement not provided, please provide for review; exception remains. | 04/03/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | A | A C | A | C A | A | C A | A | C A | A | C A | A | A | A | A | A | A | A |
| XXXXX | 7005305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/22/2024 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A | C A | A | C A | A | C A | A | C A | A | A | A | A | A | A | A |
| XXXXX | 7023397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2024 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 7023397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2024 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9014913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2024 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014924 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXXXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | please clear as the operating agreement is not legally required in the state of XXX for an LLC to operate. Thank you! | 1/28/2025 | 20250128: Rescind. Operating agreement not required in XXX | 1/28/2025 | C A | N/A | N/A C | N/A | C A | N/A | C A | N/A | C A | N/A | C A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014941 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2024 | Resolved | XXXXX | Credit | Excessive Cash-Out Refinance | Cash out seasoning of XXX months is less than the XXX months minimum required for cash out transaction. Last mortgage transaction was on XX/XX/XXXX. | Please see VOM attached that shows more than 6 months of seasoning. | 1/2/2025 | 20250103: Received 6 months mortgage payments | 1/3/2025 | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 | A | A | A | A | A |
| XXXXX | 9014968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | 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 | A | A | A | A | A |
| XXXXX | 9014968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | TRID NA- Investment Purchase The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 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 | A | A | A | A | A |
| XXXXX | 9014976 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/6/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014983 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/6/2025 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title insurance policy in file is a preliminary title with no lenders' name and insufficient coverage amount. Please provide updated title insurance policy with a minimum coverage amount of $XXX and lenders' name. | Uploaded | 1/17/2025 | 20250117: Received updated title policy. | 1/17/2025 | C A | N/A | N/A C | N/A | C A | N/A | C A | N/A | C A | N/A | C A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014988 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/15/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014999 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/14/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/14/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/8/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/3/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/7/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066758 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | XXXXX | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | XXXXX | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 1/3/2024 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 1/3/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 1/4/2024 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/4/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 1/4/2024 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 1/4/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.5 - Schedule 2**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **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** |
| XXXXX | 9053521 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053523 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053488 |  | $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 |
| XXXXX | 9053489 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053524 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053586 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053492 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053493 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053494 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053525 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053587 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053545 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053495 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053526 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053546 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9053496 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053527 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053528 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053497 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053547 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9053498 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053499 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053549 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053500 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053550 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053617 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053501 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053529 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053531 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053532 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053504 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053505 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053506 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9053507 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053508 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053509 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9053533 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053510 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053589 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053511 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053512 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053551 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053552 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053514 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053515 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053553 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053554 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053534 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053516 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053556 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053557 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053558 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053517 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053559 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053535 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053518 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053563 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053565 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053566 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053567 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053568 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053537 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053592 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053538 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053539 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053540 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053541 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053542 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053569 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053519 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053570 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053593 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053594 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053543 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053571 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053572 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053573 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053574 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053544 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053520 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053596 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053597 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053575 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053576 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053577 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053578 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053579 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053580 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053581 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053582 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053598 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053599 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053584 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053600 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053613 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053601 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053585 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053602 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053603 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053604 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053605 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053614 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053606 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053607 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053611 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9053612 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 7005305 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 7023397 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9014913 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014924 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014941 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014968 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9014976 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014983 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014988 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014999 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015011 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015012 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015040 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015112 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9015122 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066758 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066970 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **MSID** | **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** | **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** |
| XXXXX | 9053521 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.58 | 0.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053523 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.43 | 0.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.076923077 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053488 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053489 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053524 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053586 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.59 | 0.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053492 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053493 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.063063063 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053494 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053525 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053587 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.090909091 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053545 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053495 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053526 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053546 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053496 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053527 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053528 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053497 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.80 | 0.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053547 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053498 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.80 | 0.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053499 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053549 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.093023256 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053500 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053550 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053617 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.45 | 0.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053501 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053529 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053531 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053532 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053504 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.69 | 0.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053505 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053506 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.51 | 0.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053507 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053508 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.55 | 0.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053509 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053533 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.034965035 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053510 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053589 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053511 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.57 | 0.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053512 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053551 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.66 | 0.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053552 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053514 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.52 | 0.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053515 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.037735849 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053553 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.69 | 0.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053554 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.68 | 0.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.071428571 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053534 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053516 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053556 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.076271186 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053557 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053558 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053517 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.68 | 0.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053559 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053535 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.55 | 0.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053518 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053563 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053565 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053566 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.058333333 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053567 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053568 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.68 | 0.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053537 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.071428571 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053592 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053538 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053539 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053540 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053541 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053542 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053569 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.52 | 0.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053519 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053570 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053593 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053594 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.72 | 0.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053543 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 0.51 | 0.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053571 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053572 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.56 | 0.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053573 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053574 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053544 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053520 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053596 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053597 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053575 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0833 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053576 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.57 | 0.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053577 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053578 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.59 | 0.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053579 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053580 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.52 | 0.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053581 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053582 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053598 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.72 | 0.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.066666667 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053599 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053584 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.69 | 0.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053600 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053613 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.60 | 0.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053601 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053585 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053602 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053603 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053604 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.53 | 0.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053605 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053614 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053606 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053607 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.47 | 0.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053611 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 9053612 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.74 | 0.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.068767908 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 7005305 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.63 | 0.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXXX | 7023397 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 9014913 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.44 | 0.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| XXXXX | 9014924 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.72 | 0.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 9014941 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9014968 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9014976 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 0.41 | 0.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9014983 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.65 | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9014988 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9014999 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 0.31 | 0.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9015011 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9015012 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.75 | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 9015040 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.69 | 0.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 9015112 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.24 | 0.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9015122 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 0.70 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9066758 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 0.63 | 0.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | 9066970 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.75 | 0.75 |  |  |  |  | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| XXXXX | 6971925 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 0.62 | 0.62 |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.1480 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.1737 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 9014968 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the Final HUD. |
| XXXXX | 9014913 | PITIA | XXX | XXX | PITIA is $XXX inclusive of taxes and insurance |
| XXXXX | 9014913 | Monthly Insurance | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9015040 | Monthly Insurance | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9015040 | Monthly Taxes | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9015011 | Property Type | 1- Single Family Detached (non-PUD) | PUD | Subject is a PUD per appraisal and PUD rider in file. |
| XXXXX | 9014988 | Monthly Insurance | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9014988 | Monthly Taxes | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9014924 | Monthly Insurance | XXX | XXX | and taxes must be reported even if there are no escrows present |
| XXXXX | 9014924 | Monthly Taxes | XXX | XXX | and taxes must be reported even if there are no escrows present |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.6** 

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates. The review included a total of 1 newly originated residential mortgage loan, in connection with the securitization identified as MSRM 2025-NQM4 (the "Securitization"). The review began on September 20, 2024, and concluded on November 8, 2024.

**Scope of Review**

**Credit Review**

Digital Risk 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:

a. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

b. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Visio's guidelines.

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

i. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

**Compliance Review**

Digital Risk 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. The Compliance Review included the following:

a. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. 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;

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

c. Business
 Purpose Loan Compliance Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 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;iii. Verify
 executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Affidavit (must state that borrower(s) or if borrower is a business entity, the member(s)
 and/or officer(s) of that business entity, including immediate family members of the
 same, will not reside in the property or claimed as primary or secondary residence)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

d. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

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 Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital
 Risk's review will include a review of the valuation materials utilized during
 the origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review will include verifying the appraisal report:

c. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine
 whether the appraised value is supported at or within 90% based on a third-party valuation
 product. If a third-party valuation product is in file, but notes less than 90% of the
 appraised value or an inconclusive value, Digital Risk will review other third-party
 product(s) in the file to ensure the correct value was applied per Client Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

d. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

e. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

f. In
 addition, Digital Risk will access 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.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 96 properties (96 loans) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancies** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;No Discrepancies | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$156000.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | 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. |
| 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. |

---

---

| | |
|:---|:---|
| &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 complies 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 complies with all material 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 valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. 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 valuation methodology does not meet applicable published guidelines for the program. <br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products the lower of the appraised value and reconciliation will be used to establish lending value.<br>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. <br>|
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 1 |  |
| **Fields Reviewed** | **Discrepancies** | **Percentage** |
| No Discrepancies | 0 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 5/28/2025 |  |  |  |  |  |
| **Loan Count:** | 1 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 8409468 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | 22947367 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8409468 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | 22948595 | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8409468 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | 22948596 | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.6 - Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 8409468 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.6 - Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **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** | **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** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **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** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 8409468 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.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 Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between May 2024 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 116 ATR-QM Exempt loans and 39 Non-QM loans for a total of 155 loans the "Final Securitization Population").

*<u>Credit Reviews (155):</u>*

During the Review, Selene performed a credit review on 155 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (155)</u>*

During the Review, Selene performed a compliance review on 155 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (155):</u>*

During the Review, Selene performed a property valuation review on 155 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (155):</u>*

During the Review, Selene performed a Data Integrity Review on 155 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 155 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;155 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;155 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;155 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;155 | &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, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), and Kroll Bond Rating Agency ("Kroll"), (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>**

CV3 Financial Services Underwriting Procedures, Kind Lending Non-Agency Program Guidelines, Easy Street Easy Rent DSCR Guidelines, Loanstream One Guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<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).

**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.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **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 **15**

 **DATA INTEGRITY REVIEW**

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 155 mortgage loans, (ii) a Compliance Review on 155 mortgage loans (iii) a Valuation Review on 155 mortgage loans, and (iv) a Data Integrity Review on 155 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 155 mortgage loans; 150 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 (155 overall loans):*** | &nbsp;&nbsp;***Grades per loan (155 overall loans):*** | &nbsp;&nbsp;***Grades per loan (155 overall loans):*** |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;44.52% | &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;150 | &nbsp;&nbsp;150 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;18.71% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;56 | &nbsp;&nbsp;56 | &nbsp;&nbsp;56 | &nbsp;&nbsp;36.13% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  | &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 - 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** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | **%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;155 | &nbsp;&nbsp;155 | &nbsp;&nbsp;155 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;150 | &nbsp;&nbsp;150 | 96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | 3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | 0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;155 | &nbsp;&nbsp;155 | &nbsp;&nbsp;155 | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &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.

Page **5** of **15**

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 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
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 **15**

**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 **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

**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):</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;

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.

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Selene 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, Selene'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;&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>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 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;&nbsp;&nbsp;&nbsp;&nbsp;i) <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;j) <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 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.** **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):</u> 

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

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):</u> 

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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

Page **11** of **15**

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> 

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;

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; and

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

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **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 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;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) 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;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

Page **12** of **15**

&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;

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 are discussing 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 industry group proposal.)

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

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

**4.** **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)).

Page **13** of **15**

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans 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 reviewed the 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.

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

a) Providing
Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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.

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

Page **14** of **15**

**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 **15** of **15**

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 8104580 |  | XXXX | XXXX B A |
| 8442083 |  | XXXX | XXXX C A |
| 8442085 |  | XXXX | XXXX C A B |
| 8442105 |  | XXXX | XXXX A |
| 8442120 |  | XXXX | XXXX C A |
| 8442141 |  | XXXX | XXXX A |
| 8442144 |  | XXXX | XXXX A |
| 8442149 |  | XXXX | XXXX A |
| 8442130 |  | XXXX | XXXX C A B |
| 8442152 |  | XXXX | XXXX D A |
| 9015084 |  | XXXX | XXXX A D |
| 9015090 |  | XXXX | XXXX D A |
| 9015088 |  | XXXX | XXXX A |
| 9015230 |  | XXXX | XXXX C A |
| 9015231 |  | XXXX | XXXX A C |
| 9015232 |  | XXXX | XXXX A |
| 9036343 |  | XXXX | XXXX C D A |
| 9036348 |  | XXXX | XXXX C A B |
| 9036351 |  | XXXX | XXXX A |
| 9036356 |  | XXXX | XXXX A |
| 9036359 |  | XXXX | XXXX A |
| 9036364 |  | XXXX | XXXX D A |
| 9036366 |  | XXXX | XXXX A |
| 9036368 |  | XXXX | XXXX A |
| 9036371 |  | XXXX | XXXX A D |
| 9036373 |  | XXXX | XXXX A |
| 9036376 |  | XXXX | XXXX A |
| 9036377 |  | XXXX | XXXX A |
| 9036380 |  | XXXX | XXXX A |
| 9036384 |  | XXXX | XXXX A D |
| 9036385 |  | XXXX | XXXX C D A |
| 9036386 |  | XXXX | XXXX A D |
| 9036388 |  | XXXX | XXXX A |
| 9036394 |  | XXXX | XXXX A |
| 9036401 |  | XXXX | XXXX A |
| 9036418 |  | XXXX | XXXX A |
| 9036419 |  | XXXX | XXXX A |
| 9036420 |  | XXXX | XXXX A |
| 9036432 |  | XXXX | XXXX A |
| 9036433 |  | XXXX | XXXX A |
| 9036434 |  | XXXX | XXXX A |
| 9036435 |  | XXXX | XXXX A |
| 9036437 |  | XXXX | XXXX A |
| 9036438 |  | XXXX | XXXX C A |
| 9036441 |  | XXXX | XXXX A |
| 9036443 |  | XXXX | XXXX D A |
| 9036447 |  | XXXX | XXXX A |
| 9036445 |  | XXXX | XXXX A |
| 9015083 |  | XXXX | XXXX C A |
| 9069055 |  | XXXX | XXXX D A |
| 9069049 |  | XXXX | XXXX D A |
| 9054708 |  | XXXX | XXXX A |
| 9054713 |  | XXXX | XXXX A |
| 9054715 |  | XXXX | XXXX A |
| 9054716 |  | XXXX | XXXX A |
| 9054717 |  | XXXX | XXXX A |
| 9054721 |  | XXXX | XXXX A |
| 9054722 |  | XXXX | XXXX A |
| 9054724 |  | XXXX | XXXX A |
| 9054726 |  | XXXX | XXXX C A |
| 9054727 |  | XXXX | XXXX A |
| 9054728 |  | XXXX | XXXX A D |
| 9054730 |  | XXXX | XXXX A D |
| 9054748 |  | XXXX | XXXX A |
| 9054749 |  | XXXX | XXXX A D |
| 9054753 |  | XXXX | XXXX D A |
| 9054754 |  | XXXX | XXXX D A |
| 9054757 |  | XXXX | XXXX D A |
| 9054758 |  | XXXX | XXXX A |
| 9054763 |  | XXXX | XXXX D A |
| 9054766 |  | XXXX | XXXX A |
| 9054773 |  | XXXX | XXXX A |
| 9054774 |  | XXXX | XXXX A |
| 9054776 |  | XXXX | XXXX A |
| 9054778 |  | XXXX | XXXX D A |
| 9054787 |  | XXXX | XXXX A |
| 9054791 |  | XXXX | XXXX A |
| 9054793 |  | XXXX | XXXX C A |
| 9054796 |  | XXXX | XXXX A |
| 9054797 |  | XXXX | XXXX D A |
| 9054799 |  | XXXX | XXXX A |
| 9054802 |  | XXXX | XXXX A |
| 9054811 |  | XXXX | XXXX A |
| 9054812 |  | XXXX | XXXX D A |
| 9054814 |  | XXXX | XXXX A |
| 9054817 |  | XXXX | XXXX C D A B |
| 9054818 |  | XXXX | XXXX A |
| 9054820 |  | XXXX | XXXX A |
| 9054826 |  | XXXX | XXXX C A |
| 9054830 |  | XXXX | XXXX A |
| 9054832 |  | XXXX | XXXX A |
| 9054842 |  | XXXX | XXXX A |
| 9054847 |  | XXXX | XXXX A |
| 9054849 |  | XXXX | XXXX A |
| 9054853 |  | XXXX | XXXX A |
| 9054856 |  | XXXX | XXXX A |
| 9054866 |  | XXXX | XXXX A |
| 9054767 |  | XXXX | XXXX A |
| 9054838 |  | XXXX | XXXX C A |
| 9069059 | xxxxxx4935 | XXXX | XXXX A |
| 9069074 |  | XXXX | XXXX A D |
| 9069048 |  | XXXX | XXXX D A |
| 9069034 |  | XXXX | XXXX D A |
| 9069073 |  | XXXX | XXXX C D A |
| 9069069 |  | XXXX | XXXX C A |
| 9069065 |  | XXXX | XXXX C A |
| 9069053 |  | XXXX | XXXX C A D |
| 9069064 |  | XXXX | XXXX C A |
| 9069020 |  | XXXX | XXXX C A |
| 9069045 |  | XXXX | XXXX D A |
| 9069072 |  | XXXX | XXXX D A |
| 9069022 |  | XXXX | XXXX C A |
| 9069044 |  | XXXX | XXXX C A |
| 9069052 |  | XXXX | XXXX D A |
| 9069079 |  | XXXX | XXXX C D A |
| 9069037 |  | XXXX | XXXX C A D |
| 9069030 |  | XXXX | XXXX D A |
| 9069026 |  | XXXX | XXXX C A |
| 9069041 |  | XXXX | XXXX D A |
| 9069067 |  | XXXX | XXXX D A |
| 9069057 |  | XXXX | XXXX D A |
| 9069075 |  | XXXX | XXXX A D |
| 9069066 |  | XXXX | XXXX C A |
| 9069054 |  | XXXX | XXXX C A |
| 9069036 |  | XXXX | XXXX D A C |
| 9069019 |  | XXXX | XXXX D A |
| 9069056 |  | XXXX | XXXX A |
| 9069021 |  | XXXX | XXXX D A |
| 9069042 |  | XXXX | XXXX D C A |
| 9069063 |  | XXXX | XXXX C A |
| 9069050 |  | XXXX | XXXX D A |
| 9069029 |  | XXXX | XXXX D A |
| 9069071 |  | XXXX | XXXX D A |
| 9069039 |  | XXXX | XXXX C A |
| 9069038 |  | XXXX | XXXX D A |
| 9069076 |  | XXXX | XXXX C A |
| 9069070 |  | XXXX | XXXX C A |
| 9069080 |  | XXXX | XXXX C D A |
| 9069060 |  | XXXX | XXXX D A |
| 9069033 |  | XXXX | XXXX C A |
| 9069062 |  | XXXX | XXXX C D A |
| 9069023 |  | XXXX | XXXX C A |
| 9069035 |  | XXXX | XXXX A D |
| 9069046 |  | XXXX | XXXX A C |
| 9069031 |  | XXXX | XXXX A D |
| 9069047 |  | XXXX | XXXX D A |
| 9066869 |  | XXXX | XXXX A D |
| 9066891 |  | XXXX | XXXX A |
| 9066712 |  | XXXX | XXXX A D |
| 9066912 |  | XXXX | XXXX A |
| 9127752 |  | XXXX | XXXX D A |
| 9127757 |  | XXXX | XXXX A D |
| 9127713 |  | XXXX | XXXX A |
| 9127673 |  | XXXX | XXXX A |
| 9127722 |  | XXXX | XXXX A |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 8104580 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 8442083 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 8442085 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442105 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 8442120 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442141 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442144 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | -2021 | XXXX | AVM |  |  |  |  |  | XXXX | -2021 | XXXX | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442149 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442130 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 8442152 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 74.57 | 74.57 | XXXX |  | XXXX |  | XXXX | 0 | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015084 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015090 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 67.3 | 67.3 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015088 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.49 | 70.49 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015230 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015231 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015232 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036343 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036348 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.99 | 73.99 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036351 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9036356 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9036359 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036364 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.47 | 63.47 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9036366 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036368 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 14807 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 14807 | XXXX | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036371 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.59 | 70.59 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036373 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9036376 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036377 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036380 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.41 | 76.41 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| 9036384 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.6 | 56.6 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9036385 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036386 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| 9036388 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | -14380 | XXXX | AVM |  |  |  |  |  | XXXX | -14380 | XXXX | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036394 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| 9036401 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.47 | 72.47 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9036418 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.31 | 67.31 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| 9036419 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9036420 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036432 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| 9036433 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9036434 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036435 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | -8864 | XXXX | AVM |  |  |  |  |  | XXXX | -8864 | XXXX | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036437 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | 65 | XXXX | AVM |  |  |  |  |  | XXXX | 65 | XXXX | 98.0 | 0.02 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9036438 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 9036441 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| 9036443 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9036447 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| 9036445 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 70.56 | 70.56 | XXXX |  | XXXX |  | XXXX | 0 | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9015083 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.86 | 51.86 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4 | XXXX |
| 9069055 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.8 | XXXX |
| 9069049 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054708 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 9054713 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054715 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.14 | 63.14 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| 9054716 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.64 | 69.64 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 9054717 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054721 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054722 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 9054724 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054726 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | 14864 | XXXX | AVM |  |  |  |  |  | XXXX | 14864 | XXXX | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054727 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054728 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| 9054730 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054748 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054749 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 9054753 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| 9054754 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.71 | 68.71 | XXXX |  | XXXX |  | XXXX | -3000 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -3000 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054757 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | -12692 | XXXX | AVM |  |  |  |  |  | XXXX | -12692 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054758 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054763 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054766 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054773 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054774 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX |  | XXXX |  | XXXX | -404 | XXXX | AVM |  |  |  |  |  | XXXX | -404 | XXXX | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054776 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054778 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054787 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 69.02 | 69.02 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054791 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | -179 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -179 | XXXX | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054793 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.11 | 62.11 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054796 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054797 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054799 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.33 | 61.33 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054802 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| 9054811 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054812 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.65 | 59.65 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054814 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| 9054817 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054818 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054820 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054826 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054830 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| 9054832 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX | -15000 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -15000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054842 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054847 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 9054849 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054853 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.93 | 70.93 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9054856 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9054866 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| 9054767 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9054838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX | -1265000 | XXXX |  | XXXX | -207000 | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9069059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.67 | 61.67 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.1 | XXXX |
| 9069074 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 9069048 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069034 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 9069073 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069069 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.12 | 61.12 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| 9069065 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069053 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.82 | 65.82 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 9069064 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.21 | 19.21 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.3 | XXXX |
| 9069020 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.46 | 59.46 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069045 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 24.39 | 24.39 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9069072 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069022 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.69 | 47.69 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| 9069044 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.55 | 35.55 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069052 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069079 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.1 | 72.1 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| 9069037 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069030 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 28.66 | 28.66 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 9069026 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069041 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9069067 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.29 | 72.29 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 9069057 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 9069075 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| 9069066 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.6 | 57.6 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| 9069054 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 37.8 | 37.8 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9069036 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069019 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 9069056 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069021 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 39.67 | 39.67 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| 9069042 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.02 | 63.02 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069063 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| 9069050 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.76 | 57.76 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069029 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.51 | 58.51 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.5 | XXXX |
| 9069071 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069039 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 9069038 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069076 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| 9069070 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069080 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.91 | 77.91 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069060 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.94 | 61.94 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 9069033 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.99 | 69.99 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.8 | XXXX |
| 9069062 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069023 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9069035 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 9069046 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069031 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9069047 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9066869 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.43 | 58.43 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| 9066891 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.25 | 73.25 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.5 | XXXX |
| 9066712 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 50.47 | 50.47 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 9066912 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.6 | XXXX |
| 9127752 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 9127757 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9127713 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.6 | XXXX |
| 9127673 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.1 | XXXX |
| 9127722 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 8104580 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 8442083 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 0 | 3300.00 | XXXX |
| 8442083 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 3270 | 3250.00 | XXXX |
| 8442083 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 8442083 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | 3270 | 3250.00 | XXXX |
| 8442105 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 8442141 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 8442149 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.343 | 1.552 | XXXX |
| 8442149 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 16550 | 19130.00 | XXXX |
| 8442149 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | 16550 | 19130.00 | XXXX |
| 8442130 |  |  | XXXX | Subject Property Gross Rental income | crossCollateralPropertyDataPage | 14900 | 14850.00 | XXXX |
| 8442130 |  |  | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | 923.99 | 942.82 | XXXX |
| 9015084 |  |  | XXXX | Interest Rate | notePage | 7.5 | 0.0000 | XXXX |
| 9015084 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 881.11 | 0.00 | XXXX |
| 9015084 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 107.67 | 0.00 | XXXX |
| 9015090 |  |  | XXXX | Interest Rate | notePage | 6.875 | 0.0000 | XXXX |
| 9015090 |  |  | XXXX | CLTV | propertyValuationPage | 67.3 | 69.82 | XXXX |
| 9015090 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 9015090 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 348.97 | 0.00 | XXXX |
| 9015090 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 203.91 | 0.00 | XXXX |
| 9015088 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9015088 |  |  | XXXX | Interest Rate | notePage | 7.125 | 0.0000 | XXXX |
| 9015088 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9015088 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 170.79 | 0.00 | XXXX |
| 9015088 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 91.42 | 0.00 | XXXX |
| 9015230 |  |  | XXXX | Number of Properties | crossCollateralPropertyDataPage | 12 | 9 | XXXX |
| 9015230 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.033 | 1.035 | XXXX |
| 9015231 |  |  | XXXX | Number of Properties | crossCollateralPropertyDataPage | 12 | 9 | XXXX |
| 9015231 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.048 | 1.038 | XXXX |
| 9015232 |  |  | XXXX | Number of Properties | crossCollateralPropertyDataPage | 12 | 9 | XXXX |
| 9036343 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036351 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9036351 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 788 | 784 | XXXX |
| 9036351 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036356 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9036356 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 75 | 0.75 | XXXX |
| 9036356 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 788 | 784 | XXXX |
| 9036356 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036359 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | 2450 | 2550.00 | XXXX |
| 9036359 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 2450 | 2550.00 | XXXX |
| 9036359 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.164 | 1.211 | XXXX |
| 9036364 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 63.47 | 0.63 | XXXX |
| 9036364 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9036364 |  |  | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | 85.54 | 85.56 | XXXX |
| 9036366 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9036366 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9036366 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 108.72 | 108.75 | XXXX |
| 9036371 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 70.59 | 0.71 | XXXX |
| 9036371 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036377 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 3649 | 1250.00 | XXXX |
| 9036377 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036380 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9036384 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9036384 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 56.6 | 0.57 | XXXX |
| 9036385 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9036385 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036386 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9036386 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9036388 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9036388 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036401 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036418 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9036418 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036433 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036437 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9036437 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036438 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9036438 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9036438 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Actual Short Term Rent | Actual In Place Rent | XXXX |
| 9036438 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 0 | 3014.55 | XXXX |
| 9036438 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 2000 | 3825.00 | XXXX |
| 9036438 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036441 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9036441 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036443 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Actual Short Term Rent | Actual In Place Rent | XXXX |
| 9036443 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 0 | 3175.04 | XXXX |
| 9036443 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9036445 |  |  | XXXX | Property Type | the1008Page | Other | Two to Four Unit | XXXX |
| 9015083 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9015083 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1681.01 | 0.00 | XXXX |
| 9015083 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 826.17 | 0.00 | XXXX |
| 9015083 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.74 | 41.92 | XXXX |
| 9069055 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069055 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069055 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.54 | 1.5 | XXXX |
| 9069049 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069049 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3068.44 | 2499.69 | XXXX |
| 9069049 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.67 | 42.53 | XXXX |
| 9054708 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054713 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054715 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054715 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054716 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054716 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054717 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9054717 |  |  | XXXX | Number of Units | propertyValuationPage | 2 | 1 | XXXX |
| 9054717 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | XXXX |
| 9054717 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054722 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9054722 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054722 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 0 | 1900.00 | XXXX |
| 9054722 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | Actual In Place Rent | XXXX |
| 9054722 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | 2150 | 1900.00 | XXXX |
| 9054722 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054722 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.266 | 1.119 | XXXX |
| 9054724 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054726 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9054726 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054727 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9054727 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054728 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9054728 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054730 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054748 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054748 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054749 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054753 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054753 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | 1350 | 1620.00 | XXXX |
| 9054753 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | 120% Market Rents | XXXX |
| 9054754 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 68.71 | 0.69 | XXXX |
| 9054754 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054754 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9054754 |  |  | XXXX | Prepayment Penalty Calculation | notePage | 5%, 4%, 3%, 2%, 1% | 5 4 3 2 1 | XXXX |
| 9054754 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054757 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9054757 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054758 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054763 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 1600 | 1800.00 | XXXX |
| 9054763 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Actual In Place Rent | Mixed | XXXX |
| 9054763 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054763 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054766 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9054766 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9054766 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | Mixed | XXXX |
| 9054766 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 2000 | 2100.00 | XXXX |
| 9054766 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054773 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054773 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054778 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 75 | 0.75 | XXXX |
| 9054778 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054778 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9054778 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054778 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 1944 | 1620.00 | XXXX |
| 9054778 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | 120% Market Rents | XXXX |
| 9054778 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054787 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 9054787 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9054787 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | Mixed | XXXX |
| 9054787 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 2850 | 3300.00 | XXXX |
| 9054787 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054793 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9054793 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 62.11 | 0.62 | XXXX |
| 9054796 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9054796 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054797 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9054797 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | 2400 | 2700.00 | XXXX |
| 9054797 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Third Party Market Rent Estimate | Mixed | XXXX |
| 9054799 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9054799 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 61.33 | 0.61 | XXXX |
| 9054799 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 161.71 | 212.09 | XXXX |
| 9054799 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.032 | 1 | XXXX |
| 9054802 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054811 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9054811 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 276.36 | 276.37 | XXXX |
| 9054811 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054812 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 59.65 | 0.60 | XXXX |
| 9054812 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054812 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 0 | 1900.00 | XXXX |
| 9054814 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054814 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054817 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9054817 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9054818 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054818 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054820 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9054820 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054826 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054826 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054830 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054832 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9054832 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9054832 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 65 | 0.65 | XXXX |
| 9054832 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9054832 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9054832 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 436.08 | 292.56 | XXXX |
| 9054832 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054832 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.262 | 1.349 | XXXX |
| 9054842 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054842 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | Actual In Place Rent | Mixed | XXXX |
| 9054842 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054847 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054849 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | 7700 | 3450.00 | XXXX |
| 9054849 |  |  | XXXX | Monthly HOA $| propertyValuationPage | 600 | 625.00 | XXXX |
| 9054849 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.079 | 1.065 | XXXX |
| 9054853 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 9054853 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054856 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054866 |  |  | XXXX | Interest Only Flag | notePage | No | 0 | XXXX |
| 9054866 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9054767 |  |  | XXXX | Number of Units | the1008Page | 11 | 2 | XXXX |
| 9054838 |  |  | XXXX | Property Type | the1008Page | Other | Single Family Detached | XXXX |
| 9054838 |  |  | XXXX | Personal Guaranty | businessPurposePage | Yes | Full Recourse | XXXX |
| 9069059 | XXXX |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069059 | XXXX |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069074 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069074 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3910 | 2755.26 | XXXX |
| 9069048 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1694.26 | 1492.82 | XXXX |
| 9069034 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069034 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069073 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069073 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069073 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4813.47 | 3536.14 | XXXX |
| 9069073 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.039 | 1.03 | XXXX |
| 9069069 |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 61.12 | 61.13 | XXXX |
| 9069069 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 61.12 | 61.13 | XXXX |
| 9069069 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069069 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069065 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069053 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069053 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069053 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2853.85 | 2833.85 | XXXX |
| 9069064 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069064 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 770 | 805 | XXXX |
| 9069064 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069064 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 9069064 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | XXXX |
| 9069064 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7242.54 | 4954.56 | XXXX |
| 9069020 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069045 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | XXXX |
| 9069045 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069045 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069045 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.929 | 2.92 | XXXX |
| 9069072 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069072 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1936.66 | 1454.37 | XXXX |
| 9069072 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.03 | 1 | XXXX |
| 9069022 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069044 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069044 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | XXXX |
| 9069044 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1501.9 | 968.75 | XXXX |
| 9069044 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.02 | 43.76 | XXXX |
| 9069052 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069052 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069052 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069052 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.195 | 1.19 | XXXX |
| 9069079 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 9069079 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069079 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069079 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3742.81 | 3692.81 | XXXX |
| 9069037 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069037 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2283.94 | 1966.55 | XXXX |
| 9069030 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069030 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069030 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.46 | 32.73 | XXXX |
| 9069026 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069067 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069057 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069057 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069057 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069057 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2170.33 | 2130.75 | XXXX |
| 9069075 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069066 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069066 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069066 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.88 | 48.86 | XXXX |
| 9069054 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | XXXX |
| 9069054 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069054 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.613 | 1.35 | XXXX |
| 9069036 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069036 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4376.04 | 4453.58 | XXXX |
| 9069036 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.36 | 29.22 | XXXX |
| 9069019 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069019 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069019 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069019 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5852.49 | 5631.49 | XXXX |
| 9069056 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069056 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069056 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1808.91 | 1792.24 | XXXX |
| 9069056 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.106 | 1.1 | XXXX |
| 9069021 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069021 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 777 | 770 | XXXX |
| 9069021 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069021 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13413.21 | 8620.93 | XXXX |
| 9069042 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069042 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069042 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069042 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2081.41 | 1283.97 | XXXX |
| 9069063 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069063 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3351.42 | 2533.84 | XXXX |
| 9069050 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069050 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069050 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069050 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6335.85 | 4208.62 | XXXX |
| 9069050 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.73 | 7.75 | XXXX |
| 9069029 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069029 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069029 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.87 | 32.89 | XXXX |
| 9069071 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069071 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2911.38 | 2898.05 | XXXX |
| 9069039 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 9069039 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069039 |  |  | XXXX | Verified Doc Type | employmentIncomePage | W2 Verified | ALT DOC | XXXX |
| 9069039 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13241.26 | 10785.19 | XXXX |
| 9069039 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.04 | 38.16 | XXXX |
| 9069038 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9069038 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069038 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069038 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.83 | 26.29 | XXXX |
| 9069076 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069076 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069076 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7768.98 | 7468.98 | XXXX |
| 9069076 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.38 | 42.59 | XXXX |
| 9069070 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | Condominium | XXXX |
| 9069070 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | XXXX |
| 9069070 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.08 | 9.11 | XXXX |
| 9069080 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 9069080 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069080 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.009 | 1 | XXXX |
| 9069060 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069060 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069060 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13648.28 | 11187.20 | XXXX |
| 9069033 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 9069033 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069033 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13550.57 | 10232.87 | XXXX |
| 9069023 |  |  | XXXX | Property Type | propertyValuationPage | PUD | 2-4 Family | XXXX |
| 9069023 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069023 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069023 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5916.08 | 5853.08 | XXXX |
| 9069035 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069035 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.95 | 36.94 | XXXX |
| 9069046 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3153.08 | 2943.08 | XXXX |
| 9069031 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9069031 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 9069031 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3653.9 | 3203.90 | XXXX |
| 9069047 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 819 | 791 | XXXX |
| 9069047 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 9069047 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1935.56 | 1533.86 | XXXX |
| 9066869 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9066869 |  |  | XXXX | Interest Rate | notePage | 7.375 | 0.0000 | XXXX |
| 9066869 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 752.47 | 0.00 | XXXX |
| 9066869 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 139.5 | 0.00 | XXXX |
| 9066891 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| 9066891 |  |  | XXXX | Interest Rate | notePage | 7.999 | 0.0000 | XXXX |
| 9066891 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9066891 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1550 | 0.00 | XXXX |
| 9066891 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 142.83 | 0.00 | XXXX |
| 9066712 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.08 | 51.01 | XXXX |
| 9066912 |  |  | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | XXXX |
| 9066912 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| 9066912 |  |  | XXXX | Interest Rate | notePage | 7.875 | 0.0000 | XXXX |
| 9066912 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 598.83 | 0.00 | XXXX |
| 9066912 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 216.08 | 0.00 | XXXX |
| 9066912 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.84 | 39.17 | XXXX |
| 9127752 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127757 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127713 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127713 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 144.09 | 106.17 | XXXX |
| 9127673 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127673 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.96 | 49.09 | XXXX |
| 9127722 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |

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## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 8104580 |  |  | Closed | 2024-10-11 22:39 | 2024-10-11 22:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Percent of Borrowers Funds for Down Payment of 2.941% does not meet guideline minimum 5% According to the lender guidelines the borrower must contribute 5% of own funds to the transaction. Per the CD the borrower only contributed 4.41% to the transaction. - Due Diligence Vendor-10/11/2024 |  | Waived-Loan does not conform to program guidelines Percent of Borrowers Funds for Down Payment of 2.941% does not meet guideline minimum 5% According to the lender guidelines the borrower must contribute 5% of own funds to the transaction. Per the CD the borrower only contributed 4.41% to the transaction. - Due Diligence Vendor-10/11/2024<br>|  |  | 700 FICO, min is 660<br> >$9K residual income, requirement is $2,500. | XXXX | Primary Residence | Purchase | NA | 2583246 | Investor Post-Close | No |
| XXXX | 8104580 |  |  | Closed | 2024-05-31 17:04 | 2024-06-06 22:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.261%) APR equals or exceeds the Federal HPML threshold of (8.55%). 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 (7.05%).(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 _413___ and the Final Closing disclosure on Pg#'s _189___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _439____ An interior and exterior appraisal was completed for this property – see pg _60___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_463__ , and copy of the appraisal was given to the borrower – see Pg#'s _94____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/31/2024 |  | Resolved-The loan's (10.261%) APR equals or exceeds the Federal HPML threshold of (8.55%). 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 (7.05%).(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 _413___ and the Final Closing disclosure on Pg#'s _189___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _439____ An interior and exterior appraisal was completed for this property – see pg _60___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_463__ , and copy of the appraisal was given to the borrower – see Pg#'s _94____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/31/2024<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 1766698 | N/A | N/A |
| XXXX | 8442083 |  |  | Closed | 2024-10-24 19:21 | 2024-10-28 17:47 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Clarification from client received. Values and calculations conform to GLs. Resolved - Due Diligence Vendor-10/28/2024 <br> Ready for Review-Document Uploaded. 10/25/24 - WJ - Please refer to the uploaded Sizer, Rent Range and XXXX. The rent range shows market rents of $3270 and the XXXX shows $XXXX / 12 = $XXXX. Therefore, the lesser $3270 was used to qualify. - Seller-10/25/2024 <br> Open-Per the Sizer document, the DSCR is 1.109. The client is using rent of $3250 but the provided RentRange lists $3270 with an XXXX rent of $1109.93. Provide Updated sizer document. - Due Diligence Vendor-10/24/2024 | Ready for Review-Document Uploaded. 10/25/24 - XXXX - Please refer to the uploaded Sizer, Rent Range and XXXX. The rent range shows market rents of $3270 and the XXXX shows $XXXX / 12 = $XXXX. Therefore, the lesser $3270 was used to qualify. - Seller-10/25/2024 | Resolved-Clarification from client received. Values and calculations conform to GLs. Resolved - Due Diligence Vendor-10/28/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2676412 | N/A | N/A |
| XXXX | 8442085 |  |  | Closed | 2024-10-25 21:15 | 2024-11-13 17:13 | Waived | 2 - Non-Material C B | Credit | Credit | FEMA disaster issue and/or risk. | Waived-PDI in file shows no damage. - Due Diligence Vendor-11/13/2024 <br> Waived-Document Uploaded. Investor Waived to Non-Material as PDI is after Disaster Start date and they are willing to accept with no end date. - Due Diligence Vendor-11/13/2024 <br> Counter-Disaster End Date has not been Declared Please wait until after the end date and submit a PDI completed after the end date - Due Diligence Vendor-11/01/2024 <br> Ready for Review-Document Uploaded. - Seller-10/31/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: NO. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-10/25/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Waived-PDI in file shows no damage. - Due Diligence Vendor-11/13/2024 <br>Waived-Document Uploaded. Investor Waived to Non-Material as PDI is after Disaster Start date and they are willing to accept with no end date. - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2687046 | Investor Post-Close | No |
| XXXX | 8442120 |  |  | Closed | 2024-10-29 14:19 | 2024-10-31 12:02 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated credit memo received and reviewed. Resolved - Due Diligence Vendor-10/31/2024 <br> Ready for Review-Document Uploaded. 10/30/24 - XXXX - Uploaded corrected Credit Memo - Seller-10/30/2024 <br> Open-Request to provide updated Credit Memo. The document provided in file indicates the following Amortization/Term : Interest Only / Months- 30 Year Fixed - Fully Amortizing. This is not an IO loan - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. 10/30/24 - WJ - Uploaded corrected Credit Memo - Seller-10/30/2024<br>| Resolved-Updated credit memo received and reviewed. Resolved - Due Diligence Vendor-10/31/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2702242 | N/A | N/A |
| XXXX | 8442130 |  |  | Closed | 2024-10-30 13:27 | 2024-11-04 15:08 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-REO schedules uploaded. Resolved. - Due Diligence Vendor-11/04/2024 <br> Ready for Review-Document Uploaded. 11/1/24 - XXXX - Uploaded 3 REO Schedules and corresponding property profiles to support borrower experience. - Seller-11/01/2024 <br> Open-As per XXXX Application there are properties listed as (1) XXXX and (2) XXXX on page 1180 but there is no detail report or REO schedule for the same. Need clarification or updated Application with REO Schedule. - Due Diligence Vendor-10/30/2024 | Ready for Review-Document Uploaded. 11/1/24 - WJ - Uploaded 3 REO Schedules and corresponding property profiles to support borrower experience. - Seller-11/01/2024<br>| Resolved-REO schedules uploaded. Resolved. - Due Diligence Vendor-11/04/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2711092 | N/A | N/A |
| XXXX | 8442130 |  |  | Closed | 2024-10-30 13:31 | 2024-10-30 13:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-On Page 796 - UW has provided an exception for a property i.e. XXXX wherein the Loan Allocated amount is less than $75k and does not meet eligibility requirements. Loan amount is less than $75000. - Due Diligence Vendor-10/30/2024 |  | Waived-On Page 796 - UW has provided an exception for a property i.e. XXXX wherein the Loan Allocated amount is less than $75k and does not meet eligibility requirements. Loan amount is less than $75000. - Due Diligence Vendor-10/30/2024 |  |  | Compensating factors: <br>1. FICO of 77 - Borrower FICO score is 767 as per Credit Bureau Scores.<br> 2. Experienced borrower - Borrower has reported experience investor with 5+ Properties investment.<br> 3. Reserves - 139+ months post closing - 143 Months reserves reported as per page 834 under Assets Summary. | XXXX | Investment | Refinance | Cash Out - Other | 2711152 | Originator Pre-Close | Yes |
| XXXX | 8442152 |  |  | Closed | 2024-10-30 08:43 | 2024-11-01 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Required Document provided, changes made in system. Finding Resolved - Due Diligence Vendor-11/01/2024 <br> Ready for Review-Document Uploaded. 10/31/24 - XXXX - Uploaded corrected credit memo - Seller-10/31/2024 <br> Open-1008 Document is Missing Credit Memo is showing loan program as Interest Only/ 360 Months- 30 Year Fixed - Fully Amortizing. The provided Note document program is 30 Year Fixed only. Please update the overview document with the same. - Due Diligence Vendor-10/30/2024 | Ready for Review-Document Uploaded. 10/31/24 - WJ - Uploaded corrected credit memo - Seller-10/31/2024<br>| Resolved-Required Document provided, changes made in system. Finding Resolved - Due Diligence Vendor-11/01/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2709450 | N/A | N/A |
| XXXX | 9015084 |  |  | Closed | 2025-01-03 22:37 | 2025-01-22 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Counter-Appraisal fee can be denoted as POC on HUD. Since this was a borrower paid fee needs to be referenced on HUD as a POC. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Per the Lender, the appraisal fee was paid out of closing. POC items apply under Reg X of TRID (TILA-RESPA Integrated Disclosures). This is a consumer regulation, and we are exempt since we originate business-purpose only loans. - Seller-01/06/2025 <br>Open-Final HUD-1 Document is Missing. Appraisal fee is missing on HUD. - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Ready for Review-Per the Lender, the appraisal fee was paid out of closing. POC items apply under Reg X of TRID (TILA-RESPA Integrated Disclosures). This is a consumer regulation, and we are exempt since we originate business-purpose only loans. - Seller-01/06/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3137853 | N/A | N/A |
| XXXX | 9015084 |  |  | Closed | 2025-01-03 22:38 | 2025-01-13 17:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. - Seller-01/09/2025 <br> Open-The Final 1003 is Incomplete. B1 XXXX did not sign/date loan application. - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/09/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3137862 | N/A | N/A |
| XXXX | 9015090 |  |  | Closed | 2024-12-27 09:14 | 2025-01-07 06:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM for Subject property uploaded, Verified & Entered in System - Resolved - Due Diligence Vendor-01/07/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. - Seller-01/06/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. Subject property current mortgage, XXXX mortgage payment history is missing to verify. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-VOM for Subject property uploaded, Verified & Entered in System - Resolved - Due Diligence Vendor-01/07/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3090463 | N/A | N/A |
| XXXX | 9015090 |  |  | Closed | 2024-12-27 11:48 | 2025-01-06 09:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-The calculated DSCR is Actual Rent in place/PITIA = $9495/$7,892.09= 1.203 DSCR, (using the lesser of in-place rent and 125% of 1st unit $3995 and 2nd unit is currently vacant hence considered Market rent of $5,500.), whereas U/W loan program on pg#524 is showing Gross rent as $8,807.10/$7,339.21 P&I = 1.200006 DSCR. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3090811 | N/A | N/A |
| XXXX | 9015230 |  |  | Closed | 2025-01-17 21:27 | 2025-01-17 21:33 | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Open-Client did not collect a condo questionnaire as the Borrower owns 108 of the 148 units and the HOA is not active. They included the potential future HOA fees in the DSCR calculation to be conservative related to the DSCR. Email attached.<br> - Due Diligence Vendor-01/17/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3234522 | N/A | N/A |
| XXXX | 9015230 |  |  | Closed | 2025-01-15 08:29 | 2025-01-17 17:54 | Resolved | 1 - Information C A | Compliance | Compliance | Note; missing, illegible or incomplete. | Resolved-ALAs entered using loan amount on the UW Approval Summary - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Open-Evidence of Allocated loan amounts is not provided in file. - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-ALAs entered using loan amount on the UW Approval Summary - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3207759 | N/A | N/A |
| XXXX | 9015230 |  |  | Closed | 2025-01-08 06:22 | 2025-01-17 15:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. - Seller-01/16/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage amount not meet Loan amount. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3159986 | N/A | N/A |
| XXXX | 9015231 |  |  | Closed | 2025-01-10 14:40 | 2025-01-17 18:33 | Resolved | 1 - Information C A | Compliance | Compliance | Note; missing, illegible or incomplete. | Resolved-Allocated amount updated using loan amount. 3 properties under 1.0 DSCR, allowable without a partial release. - Due Diligence Vendor-01/17/2025 <br>Counter-Allocated loan amounts are not specified on the UW summary page. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Open-Evidence of Allocated loan amounts is not provided in file. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-Allocated amount updated using loan amount. 3 properties under 1.0 DSCR, allowable without a partial release. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3180403 | N/A | N/A |
| XXXX | 9015231 |  |  | Closed | 2025-01-17 21:23 | 2025-01-17 21:34 | Resolved | 1 - Information A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Client did not collect a condo questionnaire as the Borrower owns 108 of the 148 units and the HOA is not active. They included the potential future HOA fees in the DSCR calculation to be conservative related to the DSCR. Email attached.<br> - Due Diligence Vendor-01/17/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Client did not collect a condo questionnaire as the Borrower owns 108 of the 148 units and the HOA is not active. They included the potential future HOA fees in the DSCR calculation to be conservative related to the DSCR. Email attached.<br> - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3234471 | N/A | N/A |
| XXXX | 9015232 |  |  | Closed | 2025-01-17 21:25 | 2025-01-17 21:34 | Resolved | 1 - Information A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Client did not collect a condo questionnaire as the Borrower owns 108 of the 148 units and the HOA is not active. They included the potential future HOA fees in the DSCR calculation to be conservative related to the DSCR. Email attached.<br> - Due Diligence Vendor-01/17/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/17/2025 <br>Resolved-Client did not collect a condo questionnaire as the Borrower owns 108 of the 148 units and the HOA is not active. They included the potential future HOA fees in the DSCR calculation to be conservative related to the DSCR. Email attached.<br> - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3234509 | N/A | N/A |
| XXXX | 9036343 |  |  | Closed | 2025-01-24 15:49 | 2025-02-04 16:40 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI shows no damage to the property or on the report. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/03/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/03/2025<br>| Resolved-PDI shows no damage to the property or on the report. - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3276035 | N/A | N/A |
| XXXX | 9036343 |  |  | Closed | 2025-01-24 07:40 | 2025-02-03 15:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Appraisal transfer, appraisal fee will not be on HUD. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Appraisal transferred. Transfer letter in file at time of delivery labelled: XXXX - Seller-01/30/2025 <br> Open-Final HUD-1 Document is Missing. Provide Updated Settlement Statement with Appraisal Fee. Appraisal Fee Missing in Settlement Statement. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. Appraisal transferred. Transfer letter in file at time of delivery labelled: XXXX - Seller-01/30/2025 | Resolved-Appraisal transfer, appraisal fee will not be on HUD. - Due Diligence Vendor-02/03/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3273301 | N/A | N/A |
| XXXX | 9036343 |  |  | Closed | 2025-01-27 21:33 | 2025-01-28 18:57 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-This letter serves as an attestation regarding XXXX's underwriting guidelines for property insurance coverage. It has always been the intention of XXXX's current and previous guidelines that when property insurance coverage is greater than or equal to the loan amount, validation of the Replacement Cost Estimator (RCE) from the insurer is not required. The underwriting guidelines have been updated to include this clarification to align documentation with our established practices. <br> - Due Diligence Vendor-01/28/2025 <br>Open-Insurance document is missing replacement cost coverage language which is required per G/L's. Per G/L's - The amount of insurance must be written on a replacement cost basis, and must be: The lesser of 100% of the insurable replacement value of the improvements on the property as determined by the insurer. Validated by XXXX by reviewing the insurer's replacement cost estimator or by using an approved third-party insurance replacement value vendor. - Due Diligence Vendor-01/27/2025 |  | Resolved-This letter serves as an attestation regarding XXXX's underwriting guidelines for property insurance coverage. It has always been the intention of XXXX's current and previous guidelines that when property insurance coverage is greater than or equal to the loan amount, validation of the Replacement Cost Estimator (RCE) from the insurer is not required. The underwriting guidelines have been updated to include this clarification to align documentation with our established practices. <br> - Due Diligence Vendor-01/28/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3290601 | N/A | N/A |
| XXXX | 9036348 |  |  | Closed | 2025-01-24 15:48 | 2025-02-04 16:39 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI shows no damage to the report or in the pictures. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/03/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/03/2025<br>| Resolved-PDI shows no damage to the report or in the pictures. - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3276009 | N/A | N/A |
| XXXX | 9036348 |  |  | Closed | 2025-01-24 05:28 | 2025-01-31 08:53 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception approved for DSCR less than 1.000% (.9779%) - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. 1/29/25 - XXXX - The sizer reflects insurance of $136.69 per month. File contains flood insurance with annual premium of $682 / 12 = $56.83 per month + hazard insurance with annual premium of $958.27 / 12 = $79.86 per month. $56.83 + $79.86 = $136.69; therefore, all insurance is included and DSCR; however, new credit memo with exception for DSCR uploaded. - Seller-01/29/2025 <br> Open-On page 514 UW has only considered Monthly Taxes and Insurance whereas property is located in AE Zone which has been issued with a Flood Insurance on page 289 with a annual premium of $682 which is considered, hence the calculated DSCR is less than GL DSCR of 1.0. Need update DSCR Approval with Flood Insurance being added to the file. - Due Diligence Vendor-01/24/2025 <br> Open- - Due Diligence Vendor-01/24/2025 <br> Open- - Due Diligence Vendor-01/24/2025 <br> Open- - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. 1/29/25 - XXXX - The sizer reflects insurance of $136.69 per month. File contains flood insurance with annual premium of $682 / 12 = $56.83 per month + hazard insurance with annual premium of $958.27 / 12 = $79.86 per month. $56.83 + $79.86 = $136.69; therefore, all insurance is included and DSCR; however, new credit memo with exception for DSCR uploaded. - Seller-01/29/2025 | Waived-Exception approved for DSCR less than 1.000% (.9779%) - Due Diligence Vendor-01/31/2025<br>| XXXX |  | 1. Reserves of 37 months post closing : Borrower(s) have 38.47 months Reserves. Minimum required per guidelines is 6 months.<br> 2. FICO of 782 which is 122 points greater than the required 660 : Credit Score is 782. Minimum required per guidelines is 660.<br> 3. Experience borrower with three properties owned or sold within the past 36 months : Verified<br>| XXXX | Investment | Refinance | Cash Out - Other | 3272981 | Originator Post-Close | Yes |
| XXXX | 9036364 |  |  | Closed | 2025-02-05 18:09 | 2025-02-18 18:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-H1B Visa is valid until XXXX - Due Diligence Vendor-02/10/2025 <br> Counter-Requesting unexpired VISA, EAD, Passport. - Due Diligence Vendor-02/10/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Seller-02/07/2025 <br> Open- - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-H1B Visa is valid XXXX - Due Diligence Vendor-02/10/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/10/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3357481 | N/A | N/A |
| XXXX | 9036364 |  |  | Closed | 2025-02-05 17:16 | 2025-02-14 15:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. .2/10/25 - XXXX - Please refer to the uploaded Welcome Letter and Transaction history for this account. At the time of funding, these were the only related documents - Seller-02/10/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing 2 months of statements for Acct# XXXX which is required per G/L's. <br> - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. .2/10/25 - XXXX - Please refer to the uploaded Welcome Letter and Transaction history for this account. At the time of funding, these were the only related documents - Seller-02/10/2025 | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3356617 | N/A | N/A |
| XXXX | 9036364 |  |  | Closed | 2025-02-05 17:16 | 2025-02-14 15:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/14/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. XXXX is the only owner of XXXX, he is also 25% owner of the borrowing entity XXXX on the subject loan. Funds from XXXX allowed towards down payment and reserves. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. 2/13/25 - XXXX - Uploaded CPA letter which confirms that XXXX is the only owner of XXXX. Since he is also 25% owner of the borrowing entity on the subject loan an access letter is not required. - Seller-02/13/2025 <br> Counter-XXXX are separate companies. Our loan is in name of XXXX. XXXX is not showing to be affiliated with XXXX. Will need letter from XXXX 25% owner of XXXX that funds from XXXX can be used for purposes of this loan. - Due Diligence Vendor-02/12/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. 2/10/25 - XXXX - Please refer to the entity docs which indicate that XXXX is 25% owner; additionally, XXXX owns XXXX, so the account listed under that entity is permitted to be used for qualifying assets. - Seller-02/10/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Asset 2 statement in name of Business XXXX. Need to be able to link borrower to this account. <br> - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. 2/13/25 - XXXX - Uploaded CPA letter which confirms that XXXX is the only owner of XXXX. Since he is also 25% owner of the borrowing entity on the subject loan an access letter is not required. - Seller-02/13/2025 <br> Ready for Review-Document Uploaded. 2/10/25 - XXXX - Please refer to the entity docs which indicate that Dileep Vasa is 25% owner; additionally, XXXX owns XXXX, so the account listed under that entity is permitted to be used for qualifying assets. - Seller-02/10/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/14/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. XXXX is the only owner of XXXX, he is also 25% owner of the borrowing entity XXXX on the subject loan. Funds from XXXX allowed towards down payment and reserves. - Due Diligence Vendor-02/14/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3356618 | N/A | N/A |
| XXXX | 9036364 |  |  | Closed | 2025-02-05 16:56 | 2025-02-12 14:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present. Verified in operating agreement that XXXX is 25% owner. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. 2/10/25 - XXXX - Please refer to the entity docs which indicate that XXXX is 25% owner; therefore, the property at XXXX is eligible to be counted towards experience since XXXX owns it. Property profile uploaded. - Seller-02/10/2025 <br> Open-The Final 1003 is Incomplete Schedule of real estate owned only showing 2 properties. Credit Memo showing borrower experienced with 3 properties. Need additional property along with property report. Property at XXXX not showing to be owned by borrower. Need explanation. <br> - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. 2/10/25 - XXXX - Please refer to the entity docs which indicate that XXXX is 25% owner; therefore, the property at XXXX is eligible to be counted towards experience since XXXX owns it. Property profile uploaded. - Seller-02/10/2025 | Resolved-The Final 1003 is Present. Verified in operating agreement that XXXX is 25% owner. - Due Diligence Vendor-02/12/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3356382 | N/A | N/A |
| XXXX | 9036371 |  |  | Closed | 2025-02-05 18:42 | 2025-02-12 17:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-REO schedule received with total of 3 properties including the subject. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. 2/10/25 - Uploaded two REO schedules with corresponding property profiles to support borrower experience. - Seller-02/10/2025 <br>Open-The Final 1003 is Incomplete Schedule of real estate owned is not completed. Per credit memo borrower experienced with 3 properties. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. 2/10/25 - Uploaded two REO schedules with corresponding property profiles to support borrower experience. - Seller-02/10/2025<br>| Resolved-REO schedule received with total of 3 properties including the subject. - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3357988 | N/A | N/A |
| XXXX | 9036384 |  |  | Closed | 2025-02-03 17:19 | 2025-02-11 14:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/10/2025 <br>Counter- - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Open-Executed Final HUD-1 or Final Settlement Statement Document is Missing - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/11/2025<br>| XXXX |  | HUD uploaded is not same address or loan number | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3336662 | N/A | N/A |
| XXXX | 9036385 |  |  | Closed | 2025-02-11 19:03 | 2025-02-14 14:31 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-No damage per PDI - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/13/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-No damage per PDI - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3399842 | N/A | N/A |
| XXXX | 9036385 |  |  | Closed | 2025-02-05 21:18 | 2025-02-11 13:31 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-This is a Two-family with two ADUs - this is not a four-family home. The appraisal is accurate. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-This is a Two-family with two ADUs - this is not a four-family home. The appraisal is accurate. - Seller-02/07/2025 <br>Open-Appraisal indicates there are only 2 units. Property consists of 4 separate addresses and there are 4 lease agreements. Should be 4 units. - Due Diligence Vendor-02/05/2025 | Ready for Review-This is a Two-family with two ADUs - this is not a four-family home. The appraisal is accurate. - Seller-02/07/2025<br>| Resolved-This is a Two-family with two ADUs - this is not a four-family home. The appraisal is accurate. - Due Diligence Vendor-02/11/2025<br>|  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3360261 | N/A | N/A |
| XXXX | 9036385 |  |  | Closed | 2025-02-05 21:30 | 2025-02-11 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2025 <br> Resolved-REO schedule with property profiles received. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. 2/10/25 - XXXX - Uploaded two REO schedules with corresponding property profiles and Operating Agreement to support borrower experience. - Seller-02/10/2025 <br> Open-The Final 1003 is Incomplete. Schedule of real estate owned has not been completed. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. 2/10/25 - WJ - Uploaded two REO schedules with corresponding property profiles and Operating Agreement to support borrower experience. - Seller-02/10/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2025 <br>Resolved-REO schedule with property profiles received. - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3360384 | N/A | N/A |
| XXXX | 9036386 |  |  | Closed | 2025-02-05 07:53 | 2025-02-10 18:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. Please see line 901 - interest charged from Friday XXXX which is the date the loan funded. Final Disbursement from settlement agent was XXXX XXXX. All docs correct as is. - Seller-02/07/2025 <br> Open-Final HUD-1 Document is Missing. Please provide correct HUD Statement as the date provided is XXXX past date but closing date is XXXX. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Please see line 901 - interest charged from Friday XXXX which is the date the loan funded. Final Disbursement from settlement agent was Monday XXXX All docs correct as is. - Seller-02/07/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/10/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3352458 | N/A | N/A |
| XXXX | 9036438 |  |  | Closed | 2025-01-31 21:02 | 2025-02-06 13:36 | Resolved | A | Property | Appraisal | Appraisal | Resolved-Appraisal report now shows Owner Occupancy 164 Units, Rental 16 Units. Resolved - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Open-HOA questionnaire states Owner Occupancy 164 Units, Rentals 16 Units. Appraisal Report states Owner Occupancy 16 Units, Rentals 164 Units. <br> Requesting Appraisal Report Owner Occupancy 164 Units, Rentals 16 Units for Condo Project to be Eligible and Warrantable. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Appraisal report now shows Owner Occupancy 164 Units, Rental 16 Units. Resolved - Due Diligence Vendor-02/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3330042 | N/A | N/A |
| XXXX | 9036438 |  |  | Closed | 2025-01-30 11:15 | 2025-02-04 11:59 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-As per uploaded Entity Docs, page 2 shows that there was a name change and page 15 shows XXXX. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. 2/3/25 - XXXX - Please refer to the uploaded Entity Docs; page 2 shows that there was a name change and page 15 shows XXXX - Seller-02/03/2025 <br> Open-Provide the operating agreement document of "XXXX". It is missing in file. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. 2/3/25 - XXXX - Please refer to the uploaded Entity Docs; page 2 shows that there was a name change and page 15 shows XXXX - Seller-02/03/2025 | Resolved-As per uploaded Entity Docs, page 2 shows that there was a name change and page 15 shows XXXX. - Due Diligence Vendor-02/04/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3314041 | N/A | N/A |
| XXXX | 9036443 |  |  | Closed | 2025-02-03 13:19 | 2025-02-12 14:51 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Short term rentals are allowed per Matrix and G/L's. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. 2/10/25 - XXXX - Please refer to pages 9 - 11 of the Rental guidelines which shows that STR's are permitted - Seller-02/10/2025 <br> Counter-Not seeing where or how attached allows property to be used as a STR since G/L's short term rental is not allowed. Rental income is derived by short term rental per pages 575, 675, 593-606. Need explanation or lender exception. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. 2/4/25 - XXXX - Uploaded STR license which verifies, subject may be used as an STR - Seller-02/04/2025 <br> Open-DSCR Does Not Meet Guideline Requirement. Per G/L's short term rental is not allowed. Rental income is derived by short term rental per pages 575, 675, 593-606. Need explanation or lender exception. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. 2/10/25 - WJ - Please refer to pages 9 - 11 of the Rental guidelines which shows that STR's are permitted - Seller-02/10/2025 <br>Ready for Review-Document Uploaded. 2/4/25 - WJ - Uploaded STR license which verifies, subject may be used as an STR - Seller-02/04/2025<br>| Resolved-Short term rentals are allowed per Matrix and G/L's. - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3333950 | N/A | N/A |
| XXXX | 9036443 |  |  | Closed | 2025-01-30 09:04 | 2025-02-10 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/10/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Title Document is Incomplete Vested name not in the name of borrower. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/10/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-02/10/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3313736 | N/A | N/A |
| XXXX | 9015083 |  |  | Closed | 2025-02-03 13:08 | 2025-02-25 23:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.84 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/25/2025 <br> Resolved-Audited Reserves of 6.84 month(s) are greater than Guideline Required Reserves of 6 month(s). Updated assets received, as well as a 1003 & 1008 to show them. System updated. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Borrower provided bank statements to show the receipt of income from her XXXX and did not need gift.<br> The remaining balances in both accounts cover the amount of reserves required - Seller-02/20/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Gift letter on pg#351 shows borrower is getting $XXXX as a cash gift, but no proof of receipt of the Gift is available. Without evidence of the gift, loan will be short on reserves. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Borrower provided bank statements to show the receipt of income from her XXXX and did not need gift.<br> The remaining balances in both accounts cover the amount of reserves required - Seller-02/20/2025 | Resolved-Audited Reserves of 6.84 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/25/2025 <br>Resolved-Audited Reserves of 6.84 month(s) are greater than Guideline Required Reserves of 6 month(s). Updated assets received, as well as a 1003 & 1008 to show them. System updated. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3333890 | N/A | N/A |
| XXXX | 9015083 |  |  | Closed | 2025-02-04 16:25 | 2025-02-25 20:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC received. Updated the XXXX CD in the system with the information. Mavent passes. Issue Resolved. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/25/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($110.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Final CD dated 1/24/2025 shows no Lender Credits. This decreased from the $110.00 Lender Credit on the prior CD dated 1/14/2025. A COC is required for this decrease in Lender Credits. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. see attached - Seller-02/25/2025<br>| Resolved-COC received. Updated the XXXX CD in the system with the information. Mavent passes. Issue Resolved. - Due Diligence Vendor-02/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3346084 | N/A | N/A |
| XXXX | 9015083 |  |  | Closed | 2025-02-04 16:25 | 2025-02-25 20:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC received. Updated the XXXX CD in the system with the information. Mavent passes. Issue Resolved. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/25/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). A 0.05% Discount point fee of $544.50 has been added to the Revised Closing Disclosure dated XXXX, without a valid change of circumstance. There was no Discount Point Fee on the prior CD (XXXX). A COC is required for this added fee. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. see attached - Seller-02/25/2025<br>| Resolved-COC received. Updated the XXXX CD in the system with the information. Mavent passes. Issue Resolved. - Due Diligence Vendor-02/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3346083 | N/A | N/A |
| XXXX | 9015083 |  |  | Closed | 2025-02-04 17:20 | 2025-02-21 13:54 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1003 & 1008 received, showing a new DTI of 40.745%, which matches the audit review. Issue resolved. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-Lender included 3 XXXX accounts on the Credit Report as expenses. The audit review did not count them as they are collection accounts with less than 10 payments remaining. This changed the DTI from 41.9211%(Lender's) to 40.7446% (Audit's). That is a change of 1.1765%. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Updated 1003 & 1008 received, showing a new DTI of 40.745%, which matches the audit review. Issue resolved. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3346842 | N/A | N/A |
| XXXX | 9015083 |  |  | Closed | 2025-02-04 20:48 | 2025-02-06 18:18 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved- - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. 1004D done 4 days before funding. - Seller-02/05/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. 1004D done 4 days before funding. - Seller-02/05/2025<br>|  | XXXX |  | 1004 D done 01/25/2025 AFTER the disaster date shows no damage to the property. Per client attestation clear. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3349492 | N/A | N/A |
| XXXX | 9069055 |  |  | Closed | 2025-02-12 04:52 | 2025-03-04 20:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 102.2 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/04/2025 <br>Resolved-Resolved-Final Settlement Statement provided. Cash to Borrower used for reserves and meets requirements. - Due Diligence Vendor-02/13/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Executed Final HUD missing for cash out value<br> - Due Diligence Vendor-02/12/2025 |  | Resolved-Audited Reserves of 102.2 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/04/2025 <br>Resolved-Resolved-Final Settlement Statement provided. Cash to Borrower used for reserves and meets requirements. - Due Diligence Vendor-02/13/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3403722 | N/A | N/A |
| XXXX | 9069055 |  |  | Closed | 2025-02-12 11:06 | 2025-03-04 20:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Supplemental report provided. Resolved - Due Diligence Vendor-03/04/2025 <br> Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Credit Report for FICO - Seller-03/03/2025 <br> Counter-Borrower qualifying Score is 671 and does not meet 680 required for 80% LTV. Per Matrix 640+ score LTV is 75% - 5% for Cash out = 70% - Due Diligence Vendor-02/27/2025 <br> Rescinded-Borrower qualifying Score is 671 and does not meet 680 required for 80% LTV. Per Matrix 640+ score LTV is 75% - 5% for Cash out = 70% - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. UW Response: Per the GL, Max LTV starts at 80% minus the 5% reduction is 75%, which aligns with the max for cash out. No further reduction required. - Seller-02/26/2025 <br> Counter-Borrower receiving $XXXX qualifies as Cash Out Refinance. Per GL's, Cash Out Refinance requires a 5% reduction in allowable LTV. 75% max LTV - 5% reduction for Cash Out =- 70%. Audited LTV exceeds Guideline Max. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. UW Response: please see attached snippet on the C/O - Seller-02/13/2025 <br> Open-Audited LTV Exceeds Guideline LTV File is Cash out Refinance, As per Matrix Max LTV is 75% minus 5% for Cash Out. Max LTV 70% - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Credit Report for FICO - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. UW Response: Per the GL, Max LTV starts at 80% minus the 5% reduction is 75%, which aligns with the max for cash out. No further reduction required. - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. UW Response: please see attached snippet on the C/O - Seller-02/13/2025<br>| Resolved-Supplemental report provided. Resolved - Due Diligence Vendor-03/04/2025 <br>Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/04/2025 <br>Rescinded-Borrower qualifying Score is 671 and does not meet 680 required for 80% LTV. Per Matrix 640+ score LTV is 75% - 5% for Cash out = 70% - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3404476 | N/A | N/A |
| XXXX | 9069055 |  |  | Closed | 2025-02-12 20:03 | 2025-02-20 19:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Complete Trust document provided. Trustee's Deed executed by additional members of the trust page 146. Resolved - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Trust Docs - Seller-02/18/2025 <br> Counter-Please provide complete Trust Document - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. Trust showing borrowers name - Seller-02/13/2025 <br> Open-Title Document is Incomplete Lender Approval reflects transaction is a Refinance. However, Title reflects Property in Trust and not in Borrower name. Title Invoice, page 144 reflects Trust is Seller and Borrower is Buyer. Closing Disclosure, dated XXXX, signed by Borrower, XXXX, reflects $XXXX cash to Borrower. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Trust Docs - Seller-02/18/2025 <br>Ready for Review-Document Uploaded. Trust showing borrowers name - Seller-02/13/2025<br>| Resolved-Complete Trust document provided. Trustee's Deed executed by additional members of the trust page 146. Resolved - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3410382 | N/A | N/A |
| XXXX | 9069055 |  |  | Closed | 2025-02-12 20:46 | 2025-02-14 14:55 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DSCR Worksheet provided - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. DSCR Calculations - Seller-02/13/2025 <br>Open-Updated DSCR required. P&I, tax and insurance values are incorrect. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. DSCR Calculations - Seller-02/13/2025<br>| Resolved-Updated DSCR Worksheet provided - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3410953 | N/A | N/A |
| XXXX | 9069055 |  |  | Closed | 2025-02-12 05:14 | 2025-02-13 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final Settlement Statement provided - Due Diligence Vendor-02/13/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. Final HUD from title, signed by all parties - Seller-02/12/2025 <br>Open-Final HUD-1 Document is Missing. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Final HUD from title, signed by all parties - Seller-02/12/2025<br>| Resolved-Final Settlement Statement provided - Due Diligence Vendor-02/13/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3403766 | N/A | N/A |
| XXXX | 9069049 |  |  | Closed | 2025-02-12 10:08 | 2025-02-28 09:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount provided, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Email from title confirming coverage amount - Seller-02/27/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide Title Commitment with coverage amount. Title Coverage Amount of $0 is Less than Loan Amount. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Email from title confirming coverage amount - Seller-02/27/2025<br>| Resolved-Title Coverage Amount provided, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3404301 | N/A | N/A |
| XXXX | 9069049 |  |  | Closed | 2025-02-12 10:08 | 2025-02-28 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/28/2025 <br> Resolved-Updated 1008 document with corrected tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Updated 1008 for taxes updated to 1.25% - Seller-02/21/2025 <br> Open-Missing Evidence of Property Tax Provide Evidence of Paid Property Tax for $XXXX. Audited tax amount: Sales Price $XXXX x 1.25% = $XXXX/12=$XXXX - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Updated 1008 for taxes updated to 1.25% - Seller-02/21/2025<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/28/2025 <br>Resolved-Updated 1008 document with corrected tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3404302 | N/A | N/A |
| XXXX | 9054726 |  |  | Closed | 2025-02-18 20:56 | 2025-02-25 15:29 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated REO reflecting owned/retained provided. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded a screen shot of the REO Schedule which shows the subject property as being owned. - Seller-02/24/2025 <br> Open-Subject property reflects Sold on REO Section of application but transaction is a cash out refinance - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded a screen shot of the REO Schedule which shows the subject property as being owned. - Seller-02/24/2025 | Resolved-Updated REO reflecting owned/retained provided. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3441641 | N/A | N/A |
| XXXX | 9054728 |  |  | Closed | 2025-02-18 18:39 | 2025-02-25 12:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded REO schedules to show requested properties<br> - Seller-02/24/2025 <br> Open-REO schedule does not have XXXX and XXXX - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded REO schedules to show requested properties<br> - Seller-02/24/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3440551 | N/A | N/A |
| XXXX | 9054730 |  |  | Closed | 2025-02-14 06:15 | 2025-02-26 20:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Counter-Appraisal fee for 620 is not on the final HUD, even paid outside of closing it should be on the final HUD - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Open-Final HUD-1 Document is Missing. Provide updated Final HUD-1 With Appraisal Fee amount. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3422314 | N/A | N/A |
| XXXX | 9054749 |  |  | Closed | 2025-02-14 17:27 | 2025-02-25 22:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded REO schedules, corresponding property profiles and operating agreement to support borrower experience. - Seller-02/24/2025 <br> Open-The Final 1003 is Incomplete Missing REO schedule of real estate owned. Credit Memo indicates 3 properties owned. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded REO schedules, corresponding property profiles and operating agreement to support borrower experience. - Seller-02/24/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3426767 | N/A | N/A |
| XXXX | 9054753 |  |  | Closed | 2025-02-16 05:34 | 2025-03-04 06:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower 1 Citizenship Identification Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. 3/3/25 - Uploaded Borrower Residency screen and EAD card to show correct borrower residency of non-permanent alien. - Seller-03/03/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide Borrower 1 Non-US Citizen Identification Document. Borrower is Permanent Resident. Borrower 1 Non-US Citizen Identification Document Missing. - Due Diligence Vendor-02/16/2025 | Ready for Review-Document Uploaded. 3/3/25 - Uploaded Borrower Residency screen and EAD card to show correct borrower residency of non-permanent alien. - Seller-03/03/2025<br>| Resolved-Borrower 1 Citizenship Identification Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3431160 | N/A | N/A |
| XXXX | 9054754 |  |  | Closed | 2025-02-21 00:39 | 2025-03-03 15:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received executed final hud - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Counter-This one is not signed by the title company or stamped - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. In file - Seller-02/24/2025 <br>Open-Final HUD-1 Document is Missing. Need certified final Hud one in file is not executed by title company. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Ready for Review-Document Uploaded. In file - Seller-02/24/2025<br>| Resolved-Received executed final hud - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Delayed Purchase | No Cash Out - Lender Initiated | 3457929 | N/A | N/A |
| XXXX | 9054754 |  |  | Closed | 2025-02-21 00:56 | 2025-02-26 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received updated employment page. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded Sizer - Seller-02/25/2025 <br> Open-1008 Document is Missing The rent sizer is missing from the file - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded Sizer - Seller-02/25/2025 | Resolved-Received updated employment page. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Delayed Purchase | No Cash Out - Lender Initiated | 3457957 | N/A | N/A |
| XXXX | 9054757 |  |  | Closed | 2025-02-19 15:47 | 2025-02-25 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Legible Visa has been reviewed. XXXX has been updated - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded a copy of the borrower's visa. - Seller-02/24/2025 <br> Open-Provided VISA cannot be opened for review. Please provide an uncorrupted copy - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded a copy of the borrower's visa. - Seller-02/24/2025 | Resolved-Legible Visa has been reviewed. XXXX has been updated - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3446282 | N/A | N/A |
| XXXX | 9054763 |  |  | Closed | 2025-02-21 00:11 | 2025-02-26 12:18 | Resolved | 1 - Information C A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-Updated business page borrower has 49% ownership - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded Operating Agreement for Demeter's Development which was used to validate experience. - Seller-02/25/2025 <br> Open-Need LLC docs for Demeters Development - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded Operating Agreement for Demeter's Development which was used to validate experience. - Seller-02/25/2025 | Resolved-Updated business page borrower has 49% ownership - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3457807 | N/A | N/A |
| XXXX | 9054763 |  |  | Closed | 2025-02-21 00:07 | 2025-02-26 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded final Data Verify Drive report with score. - Seller-02/25/2025 <br> Open-Missing Third Party Fraud Report Drive report does not have a score - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded final Data Verify Drive report with score. - Seller-02/25/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3457798 | N/A | N/A |
| XXXX | 9054778 |  |  | Closed | 2025-02-19 13:10 | 2025-02-26 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Sizer Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded correct sizer - Seller-02/25/2025 <br> Open-Insurance Premium per Declaration page 1681.00/12=140.0833 matches Payment Letter but does not match Sizer Worksheet value of $67.83. Audited DSCR is as follows: Rents of $1620\*120%=1944/ PITIA of $1862.93= 1.0435 please provide updated UW DSCR sizer document.<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded correct sizer - Seller-02/25/2025 | Resolved-Updated Sizer Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3444713 | N/A | N/A |
| XXXX | 9054793 |  |  | Closed | 2025-02-20 22:32 | 2025-02-27 15:50 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Clarification received, finding resolved - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - XXXX - Please refer to the improvements section on page 1 of the appraisal where the appraiser states that the subject has been completed updated since the prior sale which means that our borrower improved the property after he bought it. - Seller-02/25/2025 <br> Open-Cash Out is not completed according to the guideline requirements Property was purchased within 6 months of application date, no improvements listed in file to verify appraised value is the lower amount - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Please refer to the improvements section on page 1 of the appraisal where the appraiser states that the subject has been completed updated since the prior sale which means that our borrower improved the property after he bought it. - Seller-02/25/2025 | Resolved-Clarification received, finding resolved - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3457525 | N/A | N/A |
| XXXX | 9054797 |  |  | Closed | 2025-02-20 20:14 | 2025-02-26 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Credit Memo uploaded UW comments added address mortgage late payments and maturing transaction with XXXX, good credit history outside of isolated incident and compensating factor 24+ months reserves. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded Credit Memo with UW comments as requested. - Seller-02/25/2025 <br> Open-Credit report shows Borrower had 120+ mortgage late pay history last reported XXXX. Borrower letter of explanation now paid up with XXXX and account is settled. Title Commitment Schedule B, Part I #8 required Forbearance Affidavit to be executed by Borrower for loan with XXXX, in the amount of $XXXX dated XXXX and recorded XXXX. Appears XXXX refinanced XXXX. Email screen print shows communication from Escrow that Seller signs stating borrower is not in forbearance to clear requirement #8. Settlement Statement shows delinquent taxes paid thru closing and payoff to XXXX. The disposition of mortgage and collateral is unknown from XXXX. <br> Per guidelines XXXX page 35 requesting Credit Memo with Underwriting Analysis concluding the following: The events causing the financial difficulties were beyond the borrowers control, are not ongoing and are unlikely to recur. Compensating factors. The Borrower has re-established an acceptable credit reputation. <br> - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded Credit Memo with UW comments as requested. - Seller-02/25/2025 | Resolved-Credit Memo uploaded UW comments added address mortgage late payments and maturing transaction with BSI, good credit history outside of isolated incident and compensating factor 24+ months reserves. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3456689 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-14 15:44 | 2025-03-06 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 84.27 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/06/2025 <br> Resolved-Final Settlement Statement proceeds to borrower $XXXX, guidelines XXXX transaction eligible proceeds for required 6 months reserves. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - WJ - Uploaded final HUD which shows borrower receive $155,000+ cash back. Since the borrower's credit score exceeds 680 and the LTV is less than 75%, cash out may be used for reserves. - Seller-02/24/2025 <br> Open-Audited Reserves of 1.68 month(s) are less than Guideline Required Reserves of 6 month(s) Guideline 10.8 Subject proceeds eligible to verify required 6 months reserves $11,328.96. Settlement Statement missing, unable to verify reserves. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded final HUD which shows borrower receive $155,000+ cash back. Since the borrower's credit score exceeds 680 and the LTV is less than 75%, cash out may be used for reserves. - Seller-02/24/2025 | Resolved-Audited Reserves of 84.27 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/06/2025 <br>Resolved-Final Settlement Statement proceeds to borrower $155,949.04, guidelines 10/8/2024 transaction eligible proceeds for required 6 months reserves. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3425374 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-14 15:17 | 2025-03-05 15:26 | Resolved | 1 - Information C A | Credit | Doc Issue | Title issue | Resolved-Uploaded HUD from Subject Purchase 11/15/2024 verifies Sellers mortgage paid off. Subject Transaction Refinance Title Commitment sufficient to clear requirement #11. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. 3/3/24 - XXXX - Uploaded documentation to show that #11 was paid. - Seller-03/04/2025 <br> Counter-The Attached Final Title policy shows B-I requirement #11 to show paid thru subject closing or title release.<br> - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. 3/3/25 - XXXX - Uploaded final title policy which does not show item #11, the only lienholder is XXXX. - Seller-03/03/2025 <br> Open-Title Commitment Schedule B-I requirement #11 to show paid thru subject closing or title release. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. 3/3/24 - XXXX - Uploaded documentation to show that #11 was paid. - Seller-03/04/2025 <br> Ready for Review-Document Uploaded. 3/3/25 - XXXX - Uploaded final title policy which does not show item #11, the only lienholder is XXXX. - Seller-03/03/2025 | Resolved-Uploaded HUD from Subject Purchase 11/15/2024 verifies Sellers mortgage paid off. Subject Transaction Refinance Title Commitment sufficient to clear requirement #11. - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3425059 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-13 05:46 | 2025-02-25 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/21/2025 <br>Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <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. As loan is Investment- Required Business Purpose doc. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/21/2025 <br>Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3412894 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-21 15:10 | 2025-02-25 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/25/2025 <br> Resolved-Credit Memo Guideline Version 10/8/2024. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded Credit Memo - Seller-02/25/2025 <br> Open-The 1008 document is missing from the loan file. Credit Memo missing. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. 2/24/25 - XXXX - Uploaded Credit Memo - Seller-02/25/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/25/2025 <br>Resolved-Credit Memo Guideline Version 10/8/2024. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3460767 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-13 06:23 | 2025-02-21 15:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Open-Final HUD-1 Document is Missing. Missing Final HUD doc in file. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3412992 | N/A | N/A |
| XXXX | 9054812 |  |  | Closed | 2025-02-13 07:09 | 2025-02-20 09:11 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Open-Missing Lender Overview doc in file. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3413131 | N/A | N/A |
| XXXX | 9054817 |  |  | Closed | 2025-02-16 05:28 | 2025-02-24 15:34 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived- - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. 2/21/25 - XXXX - Uploaded Credit Memo reflecting exception for the effective date of the hazard insurace. - Seller-02/21/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide Hazard Insurance policy with Effective Date covering the Note date of XXXX. - Due Diligence Vendor-02/16/2025 | Ready for Review-Document Uploaded. 2/21/25 - XXXX - Uploaded Credit Memo reflecting exception for the effective date of the hazard insurace. - Seller-02/21/2025 |  | XXXX |  | Credit Score is 694. Minimum required per guidelines is 660.<br> Borrower(s) have 462.19 months Reserves. Minimum required per guidelines is 6 months.<br> Investor experience is Heavy. <br>| XXXX | Investment | Purchase | NA | 3431151 | Originator Pre-Close | No |
| XXXX | 9054817 |  |  | Closed | 2025-02-16 06:40 | 2025-02-21 14:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/19/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. Provide Final HUD-1 Document. - Due Diligence Vendor-02/16/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3431218 | N/A | N/A |
| XXXX | 9054826 |  |  | Closed | 2025-02-19 03:27 | 2025-02-25 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. 2/24/25 - Uploaded an REO which shows that the borrower has owned XXXX for more than 12 months which establishes borrower experience per guidelines. Also uploaded corresponding property profile and OA. - Seller-02/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Pending property report for the following location:<br>15785 Ferguson St, - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. 2/24/25 - Uploaded an REO which shows that the borrower has owned XXXX for more than 12 months which establishes borrower experience per guidelines. Also uploaded corresponding property profile and OA. - Seller-02/24/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3442711 | N/A | N/A |
| XXXX | 9054838 |  |  | Closed | 2025-02-20 18:20 | 2025-02-26 13:06 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Document has been received and reviewed. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 2/25/25 - WJ - Uploaded V2 Sizer which specifies the loan amounts for each property. - Seller-02/25/2025 <br> Open-Allocated loan amounts are not specified on the UW Summary for below properties:<br>XXXX<br> XXXX<br> XXXX<br> XXXX - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. 2/25/25 - XXXX - Uploaded V2 Sizer which specifies the loan amounts for each property. - Seller-02/25/2025 | Resolved-Document has been received and reviewed. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3455855 | N/A | N/A |
| XXXX | 9069059 | 7000104935 |  | Closed | 2025-02-18 07:10 | 2025-02-18 07:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.508%) APR equals or exceeds the Federal HPML threshold of (8.39%). 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 (6.89%).(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 page # 318 and the Final Closing disclosure on page # 112-118 reflects escrows. Rate lock date was entered correctly – see page # 297. An interior and exterior appraisal was completed for this property – see page # 37-72 , the appraisal disclosure was provided to the borrower(s)- see page # 34,36 and copy of the appraisal was given to the borrower – see page # 34, 36 for the copy of the disclosure. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/18/2025 |  | Resolved-The loan's (8.508%) APR equals or exceeds the Federal HPML threshold of (8.39%). 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 (6.89%).(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 page # 318 and the Final Closing disclosure on page # 112-118 reflects escrows. Rate lock date was entered correctly – see page # 297. An interior and exterior appraisal was completed for this property – see page # 37-72 , the appraisal disclosure was provided to the borrower(s)- see page # 34,36 and copy of the appraisal was given to the borrower – see page # 34, 36 for the copy of the disclosure. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/18/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3436704 | N/A | N/A |
| XXXX | 9069074 |  |  | Closed | 2025-02-14 05:26 | 2025-02-20 10:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/19/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/19/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3422194 | N/A | N/A |
| XXXX | 9069048 |  |  | Closed | 2025-02-18 08:09 | 2025-02-24 21:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Bank Account statements uploaded, Asset Record 1 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/21/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Asset Statement - Seller-02/20/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of documentation for XXXX assets in the amount of $XXXX as it is not in file. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Asset Statement - Seller-02/20/2025<br>| Resolved-Bank Account statements uploaded, Asset Record 1 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/21/2025 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3436783 | N/A | N/A |
| XXXX | 9069048 |  |  | Closed | 2025-02-18 07:41 | 2025-02-24 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. VVOE - Seller-02/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE as it is missing from file. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. VVOE - Seller-02/21/2025<br>| Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3436752 | N/A | N/A |
| XXXX | 9069034 |  |  | Closed | 2025-02-19 15:40 | 2025-02-21 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3446192 | N/A | N/A |
| XXXX | 9069073 |  |  | Closed | 2025-02-18 17:18 | 2025-02-21 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties in counterpart - Seller-02/19/2025 <br>Open-Final HUD-1 Document is Missing. Final HUD-1 or Final Settlement Statement Document is Missing, Provide the updated FINAL HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties in counterpart - Seller-02/19/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3439703 | N/A | N/A |
| XXXX | 9069073 |  |  | Closed | 2025-02-18 16:25 | 2025-02-21 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Showing Uncleared High Alerts. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3439122 | N/A | N/A |
| XXXX | 9069069 |  |  | Closed | 2025-02-18 11:23 | 2025-02-21 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3437123 | N/A | N/A |
| XXXX | 9069065 |  |  | Closed | 2025-02-18 04:42 | 2025-02-21 10:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3436412 | N/A | N/A |
| XXXX | 9069053 |  |  | Closed | 2025-02-15 06:37 | 2025-03-06 21:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated Conditional Approval uploaded with change in Loan Program, Audited Reserves of 37.34 month(s) are greater than Guideline Required Reserves of 0 month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2025 <br>Resolved-Audited Reserves of 37.34 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-03/06/2025 <br>Resolved-Audited Reserves of 1.91 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Updated Approval showing now in the A+ program - Seller-03/05/2025 <br>Open-Audited Reserves of 1.91 month(s) are less than Guideline Required Reserves of 6 month(s) As per matrix, Super Kind program (Loan approval on page 356) Cash out can't utilized. Total required assets for reserves $17123.1 (2853.85\*6) verified assets are $5459.06, There is shortage of assets $11664.04, or if loan program will be change provided updated loan approval. - Due Diligence Vendor-02/15/2025 | Ready for Review-Document Uploaded. Updated Approval showing now in the A+ program - Seller-03/05/2025<br>| Resolved-Updated Conditional Approval uploaded with change in Loan Program, Audited Reserves of 37.34 month(s) are greater than Guideline Required Reserves of 0 month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2025 <br>Resolved-Audited Reserves of 37.34 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-03/06/2025 <br>Resolved-Audited Reserves of 1.91 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3430394 | N/A | N/A |
| XXXX | 9069053 |  |  | Closed | 2025-02-15 06:23 | 2025-02-20 10:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/19/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements - Due Diligence Vendor-02/15/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/19/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3430379 | N/A | N/A |
| XXXX | 9069064 |  |  | Closed | 2025-02-15 07:27 | 2025-02-21 09:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts There is a one uncleared finding reflecting under high category. - Due Diligence Vendor-02/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Updated fraud report with cleared alerts uploaded, verified, and entered into the system - resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3430426 | N/A | N/A |
| XXXX | 9069020 |  |  | Closed | 2025-02-15 09:44 | 2025-02-21 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - Resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts There is uncleared findings in high category - Due Diligence Vendor-02/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/20/2025<br>| Resolved-Updated Fraud report with cleared alerts uploaded, verified, and entered into the system - Resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3430532 | N/A | N/A |
| XXXX | 9069045 |  |  | Closed | 2025-02-19 20:45 | 2025-02-24 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Using the market rents based on matrix and guidelines can use the higher of the two. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Market Rents from appraisal being used - Seller-02/21/2025 <br>Open-Missing updated month to month for Unit B lease. Have them for A,C, and D - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Market Rents from appraisal being used - Seller-02/21/2025<br>| Resolved-Using the market rents based on matrix and guidelines can use the higher of the two. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3449880 | N/A | N/A |
| XXXX | 9069045 |  |  | Closed | 2025-02-13 13:18 | 2025-02-24 07:42 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA document provided. - Due Diligence Vendor-02/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. CDA - Seller-02/21/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. (XXXX report on page# 297 doesn't show any risk score). - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. CDA - Seller-02/21/2025<br>| Resolved-CDA document provided. - Due Diligence Vendor-02/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3414356 | N/A | N/A |
| XXXX | 9069045 |  |  | Closed | 2025-02-13 13:27 | 2025-02-24 07:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3414424 | N/A | N/A |
| XXXX | 9069045 |  |  | Closed | 2025-02-13 12:01 | 2025-02-24 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-02/24/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-02/21/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 as it is missing from file. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. 1008 - Seller-02/21/2025<br>| Resolved-1008 document provided. - Due Diligence Vendor-02/24/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3413862 | N/A | N/A |
| XXXX | 9069045 |  |  | Closed | 2025-02-19 21:02 | 2025-02-21 17:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated hud page. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Final HUD1 stamped certified - Seller-02/20/2025 <br>Open-Final HUD-1 Document is Missing. Need copy of certified and stamped final hud - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Final HUD1 stamped certified - Seller-02/20/2025<br>| Resolved-Updated hud page. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3450073 | N/A | N/A |
| XXXX | 9069072 |  |  | Closed | 2025-02-20 15:02 | 2025-02-24 19:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present along with a 1008 & DSCR calculator to show the corrections. System updated. Resolved. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Updated DSCR & 1008 - Seller-02/24/2025 <br>Counter-The provided estimate shows $4,138.51 in taxes. This amount still does not equal the $4,793.75 used in qualification. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Property tax est from the county website - Seller-02/21/2025 <br>Open-Missing Evidence of Property Tax Property Tax used for qualification is $4,793.75 annual ($399.48 monthly). File is missing evidence to verify this amount. Other evidence in file shows the 2024 taxes to be approximately $4,906 annual. Please provide evidence of the $4,793.75 amount. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Updated DSCR & 1008 - Seller-02/24/2025 <br>Ready for Review-Document Uploaded. Property tax est from the county website - Seller-02/21/2025<br>| Resolved-Evidence of Property Tax is present along with a 1008 & DSCR calculator to show the corrections. System updated. Resolved. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3453802 | N/A | N/A |
| XXXX | 9069072 |  |  | Closed | 2025-02-17 05:56 | 2025-02-24 19:15 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025 <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-02/21/2025 <br>Open-The 1008 document is missing from the loan file. Provide the updated 1008 with P&I amount of $1,454.37, 1008 Document showing P&I amount is 1,257.03 and Note Document showing P&I amount is $1,454.37. Monthly Homeowner's insurance $137.40 & Monthly Property Taxes $399.48 amounts not matching with 1008 Document either. Additionally, the loan amount on the provided 1008 is incorrect. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. 1008 - Seller-02/21/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025 <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3431950 | N/A | N/A |
| XXXX | 9069072 |  |  | Closed | 2025-02-17 05:46 | 2025-02-21 20:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts The XXXX XXXX Alerts Summary document shows a total of 4 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3431938 | N/A | N/A |
| XXXX | 9069072 |  |  | Closed | 2025-02-17 05:19 | 2025-02-21 19:11 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCD/SSR received with a score of 1. System updated. Resolved. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/21/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or FHLMC UCD/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/21/2025<br>| Resolved-FHLMC UCD/SSR received with a score of 1. System updated. Resolved. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3431908 | N/A | N/A |
| XXXX | 9069072 |  |  | Closed | 2025-02-17 06:09 | 2025-02-21 19:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document was provided, signed by the Settlement Agent. System updated. Resolved. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Final SS signed by Settlement Agent - Seller-02/21/2025 <br>Open-Final HUD-1 Document is Missing. Final HUD-1 or Final Settlement Statement Document is Missing. The document provided was not signed by the Settlement Agent and/or stamped as "Final." - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. Final SS signed by Settlement Agent - Seller-02/21/2025<br>| Resolved-Final HUD-1 Document was provided, signed by the Settlement Agent. System updated. Resolved. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3431959 | N/A | N/A |
| XXXX | 9069022 |  |  | Closed | 2025-02-15 18:04 | 2025-02-24 10:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared Alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts The XXXX LoanSafe Connect Alerts Summary document shows a total of 6 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025<br>| Resolved-Updated Fraud Report with cleared Alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3430872 | N/A | N/A |
| XXXX | 9069044 |  |  | Closed | 2025-02-18 06:21 | 2025-02-21 20:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX XXXX Alerts Summary document shows a total of 4 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3436611 | N/A | N/A |
| XXXX | 9069052 |  |  | Closed | 2025-02-19 12:09 | 2025-05-30 22:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3444443 | N/A | N/A |
| XXXX | 9069052 |  |  | Closed | 2025-02-21 16:13 | 2025-05-30 22:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/26/2025 <br>Resolved- Valid VISA and US ID in file. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. UW lox - No ITIN required - we have VISA and US ID - Seller-02/25/2025 <br>Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. UW lox - No ITIN required - we have VISA and US ID - Seller-02/25/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/26/2025 <br>Resolved- Valid VISA and US ID in file. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3461582 | N/A | N/A |
| XXXX | 9069052 |  |  | Closed | 2025-02-19 11:52 | 2025-03-03 14:13 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. XXXX SSR dated XXXX - Seller-02/28/2025 <br> Counter-CU provided is after close. Please provide a desk review or secondary valuation prior to close. If its a second appraisal, it can be after close. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/26/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing.<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. XXXX SSR dated XXXX - Seller-02/28/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/26/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3444379 | N/A | N/A |
| XXXX | 9069052 |  |  | Closed | 2025-02-19 13:04 | 2025-02-26 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-As per the guidelines, housing history for the borrower's primary residence is not required for Foreign Nationals. Verified - Resolved.<br> - Due Diligence Vendor-02/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. UW lox - housing history not required - Seller-02/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-02/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements.<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. UW lox - housing history not required - Seller-02/25/2025<br>| Resolved-As per the guidelines, housing history for the borrower's primary residence is not required for Foreign Nationals. Verified - Resolved.<br> - Due Diligence Vendor-02/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3444678 | N/A | N/A |
| XXXX | 9069079 |  |  | Closed | 2025-02-17 17:22 | 2025-02-27 18:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Loan is qualified with cash-out refinance, updated Final 1003 with Asset removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Updated 1003 to remove assets - Seller-02/21/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Proof of the amount of $XXXX as an Asset from XXXX acct #XXXX reflecting on the Final 1003 is missing from the file. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. Updated 1003 to remove assets - Seller-02/21/2025<br>| Resolved-Loan is qualified with cash-out refinance, updated Final 1003 with Asset removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3434275 | N/A | N/A |
| XXXX | 9069079 |  |  | Closed | 2025-02-17 15:34 | 2025-02-27 17:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The signed Final 1003 is Present with an explanation on the date of signature. Issue resolved. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-The borrower missed signing the Final URLA at closing so it was sent to him and he e-signed it XXXX This is the reason for the Final 1003 being signed after the day of Closing. - Seller-02/27/2025 <br> Counter-The document received has an electronic signature signed on XXXX. This is not the document with the borrower's wet signature from the day of Closing. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Final 1003 signed - Seller-02/26/2025 <br> Open-The Final 1003 is Incomplete • The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing. - Due Diligence Vendor-02/17/2025 | Ready for Review-The borrower missed signing the Final URLA at closing so it was sent to him and he e-signed it on XXXX This is the reason for the Final 1003 being signed after the day of Closing. - Seller-02/27/2025 <br> Ready for Review-Document Uploaded. Final 1003 signed - Seller-02/26/2025 | Resolved-The signed Final 1003 is Present with an explanation on the date of signature. Issue resolved. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3433470 | N/A | N/A |
| XXXX | 9069079 |  |  | Closed | 2025-02-17 16:57 | 2025-02-24 19:11 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report dated XXXX received. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-02/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Report in file is dated XXXX, which is 12 days before the Note Date of XXXX. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-02/24/2025<br>| Resolved-Borrower 1 Gap Credit Report dated XXXX received. - Due Diligence Vendor-02/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3434102 | N/A | N/A |
| XXXX | 9069079 |  |  | Closed | 2025-02-20 17:57 | 2025-02-24 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts The XXXX XXXX XXXX Summary document shows a total of 2 High alerts, only 1 of which were cleared; and 1 Medium alert, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/21/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3455666 | N/A | N/A |
| XXXX | 9069079 |  |  | Closed | 2025-02-17 18:35 | 2025-02-27 18:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-02/27/2025 <br>Resolved-The loan's (8.612%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(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#' 321 and the Final Closing disclosure on Pg#' 124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 514,387,59. An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#' 21. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/17/2025 |  | Resolved-. - Due Diligence Vendor-02/27/2025 <br>Resolved-The loan's (8.612%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(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#' 321 and the Final Closing disclosure on Pg#' 124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 514,387,59. An interior and exterior appraisal was completed for this property – see pg# 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, and confirmation the appraisal was delivered to the borrower – see Pg#' 21. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3434738 | N/A | N/A |
| XXXX | 9069037 |  |  | Closed | 2025-02-21 16:44 | 2025-03-06 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/05/2025 <br>Counter-4 low alerts not cleared - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/05/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3462526 | N/A | N/A |
| XXXX | 9069037 |  |  | Closed | 2025-02-19 09:10 | 2025-02-24 11:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/21/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/21/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3443873 | N/A | N/A |
| XXXX | 9069030 |  |  | Closed | 2025-02-20 13:45 | 2025-03-05 20:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-03/05/2025 <br>Resolved-Income Worksheet and updated 1003/1008 provided. Resolved - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-02/28/2025 <br>Counter-Income reflected on 1003 and 1008 of $14,026.00 does not match Income documentation worksheet amount that is used by UW value of $$12,557.42 - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Updated 1003. We are only qualifying with $12,557.42 - Seller-02/26/2025 <br>Counter-Bank Statement worksheet in file reflects $12,557.42 which does not match provided F1003/1008 Income of $14,026.00. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-02/24/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement worksheet in file reflects $12,557.42 which does not match F1003/1008 Income of $14,026.00. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-02/28/2025 <br>Ready for Review-Document Uploaded. Updated 1003. We are only qualifying with $12,557.42 - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-02/24/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-03/05/2025 <br>Resolved-Income Worksheet and updated 1003/1008 provided. Resolved - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3453151 | N/A | N/A |
| XXXX | 9069030 |  |  | Closed | 2025-02-19 05:21 | 2025-02-25 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing Uncleared High Alerts. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3442909 | N/A | N/A |
| XXXX | 9069026 |  |  | Closed | 2025-02-19 06:07 | 2025-02-28 18:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-02/24/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of documentation for XXXX #XXXX for the amount of $10,322 as it is missing from file. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Updated 1003 removing assets - Seller-02/24/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3443030 | N/A | N/A |
| XXXX | 9069026 |  |  | Closed | 2025-02-21 15:51 | 2025-02-27 21:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Counter-Low alert not cleared - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3461341 | N/A | N/A |
| XXXX | 9069026 |  |  | Closed | 2025-02-19 06:49 | 2025-02-24 21:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. COC - Seller-02/21/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,272.96) were applied to the total fee variance of ($11,222.45) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits $1,272.96 are newly added in final CD. provide a valid COC to cure this. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. COC - Seller-02/21/2025<br>| Resolved- - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3443198 | N/A | N/A |
| XXXX | 9069026 |  |  | Closed | 2025-02-19 06:49 | 2025-02-28 19:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-02/28/2025 <br>Resolved- - Due Diligence Vendor-02/24/2025 <br>Resolved-The loan's (9.292%) APR equals or exceeds the Federal HPML threshold of (8.43%). 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 (6.93%).(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 page # 186 and the Final Closing disclosure on page # 81-85 reflects escrows. Rate lock date was entered correctly – see page # 202. An interior and exterior appraisal was completed for this property – see page # 34-59 , the appraisal disclosure was provided to the borrower(s)- see page # 32, 33 and copy of the appraisal was given to the borrower – see page # 32, 33 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/19/2025 |  | Resolved- - Due Diligence Vendor-02/28/2025 <br>Resolved- - Due Diligence Vendor-02/24/2025 <br>Resolved-The loan's (9.292%) APR equals or exceeds the Federal HPML threshold of (8.43%). 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 (6.93%).(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 page # 186 and the Final Closing disclosure on page # 81-85 reflects escrows. Rate lock date was entered correctly – see page # 202. An interior and exterior appraisal was completed for this property – see page # 34-59 , the appraisal disclosure was provided to the borrower(s)- see page # 32, 33 and copy of the appraisal was given to the borrower – see page # 32, 33 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3443199 | N/A | N/A |
| XXXX | 9069041 |  |  | Closed | 2025-02-20 07:48 | 2025-02-26 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3451908 | N/A | N/A |
| XXXX | 9069041 |  |  | Closed | 2025-02-20 07:21 | 2025-02-26 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-02/25/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income worksheet is missing from file. Per the final 1003 and 1008, the qualifying income is $74,377.86. Provide lender worksheet validating this amount. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-02/25/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3451868 | N/A | N/A |
| XXXX | 9069041 |  |  | Closed | 2025-02-20 07:21 | 2025-02-26 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. VVOE - Seller-02/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE as it is missing from file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. VVOE - Seller-02/25/2025<br>| Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3451867 | N/A | N/A |
| XXXX | 9069041 |  |  | Closed | 2025-02-20 08:16 | 2025-02-26 19:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-02/26/2025 <br>Resolved-The loan's (9.405%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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 page # 338 and the Final Closing disclosure on page # 183-188 reflects escrows. Rate lock date was entered correctly – see page # 412. An interior and exterior appraisal was completed for this property – see page # 32-59 , the appraisal disclosure was provided to the borrower(s)- see page # 30, 31 and copy of the appraisal was given to the borrower – see page # 30, 31 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/20/2025 |  | Resolved- - Due Diligence Vendor-02/26/2025 <br>Resolved-The loan's (9.405%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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 page # 338 and the Final Closing disclosure on page # 183-188 reflects escrows. Rate lock date was entered correctly – see page # 412. An interior and exterior appraisal was completed for this property – see page # 32-59 , the appraisal disclosure was provided to the borrower(s)- see page # 30, 31 and copy of the appraisal was given to the borrower – see page # 30, 31 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/20/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3451976 | N/A | N/A |
| XXXX | 9069067 |  |  | Closed | 2025-02-20 15:05 | 2025-02-27 10:23 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Subject Negative Cash Flow updated, DTI is matching with the 1008, Verified - Resolved - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. UW Response: Our DTI is at 33.32% due to the subject property having a negative cash flow. Please see the screen shot attached - Seller-02/26/2025 <br>Open-Audited DTI is 28.8 and Lender DTI is 33.32. The difference is 4.52.<br>This is due to the difference in all other monthly payments. Lender considered all other monthly payments as $3261.95 whereas per documentation is $2710.73. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. UW Response: Our DTI is at 33.32% due to the subject property having a negative cash flow. Please see the screen shot attached - Seller-02/26/2025<br>| Resolved-Subject Negative Cash Flow updated, DTI is matching with the 1008, Verified - Resolved - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3453838 | N/A | N/A |
| XXXX | 9069067 |  |  | Closed | 2025-02-20 13:39 | 2025-02-27 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3453101 | N/A | N/A |
| XXXX | 9069067 |  |  | Closed | 2025-02-20 13:07 | 2025-02-27 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-02/26/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Due to imaging errors in the upload, income calculation worksheet on page #485 for B1 is not reflecting legible numbers to verify the exact deposit. Per the Final 1003 and the 1008, qualifying income for B1 was $9,304. Provide the income calculation worksheet validating this amount. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-02/26/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3452880 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-26 14:03 | 2025-02-27 12:56 | Resolved | 1 - Information C A | Credit | Credit | Foreign National Guidelines for Guarantors not met | Resolved-Third Party documentation provided. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. UW Response: The system doesn't accept anything out of US so URLA is a little off. Please see attached docs & 1003 - Seller-02/26/2025 <br>Open-Third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement is missing from file. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. UW Response: The system doesn't accept anything out of US so URLA is a little off. Please see attached docs & 1003 - Seller-02/26/2025<br>| Resolved-Third Party documentation provided. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3483124 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 07:01 | 2025-02-26 15:45 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof of EMD provided - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Bank statement showing EMD for the 2 units & UW lox that EMD is showing paid to seller on page 3 of contract - Seller-02/26/2025 <br>Open-provide proof of documentation for EMD amount of $10,000 as it is not in file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Bank statement showing EMD for the 2 units & UW lox that EMD is showing paid to seller on page 3 of contract - Seller-02/26/2025<br>| Resolved-Proof of EMD provided - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451804 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-24 21:04 | 2025-02-26 15:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Per Client: This is a Foreign Address, 1003 correct as is - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. UW Response: This is a Foreign Address, 1003 correct as is - Seller-02/25/2025 <br>Open-The Final 1003 is Incomplete City for current address missing. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. UW Response: This is a Foreign Address, 1003 correct as is - Seller-02/25/2025<br>| Resolved-Per Client: This is a Foreign Address, 1003 correct as is - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3472367 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-21 17:05 | 2025-02-26 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Borrower 1 ITIN Information not required, we have VISA and Passport as per GL requirement, Verified - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. UW Response: No ITIN per GL – we have VISA and US ID - Seller-02/25/2025 <br>Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. UW Response: No ITIN per GL – we have VISA and US ID - Seller-02/25/2025<br>| Resolved-Borrower 1 ITIN Information not required, we have VISA and Passport as per GL requirement, Verified - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3462722 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 06:09 | 2025-02-26 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451674 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 06:58 | 2025-02-26 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-As per the guidelines, housing history for the borrower's primary residence is not required for Foreign Nationals. Verified - Resolved. - Due Diligence Vendor-02/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. UW response - no housing history required per GL Foreign National - Seller-02/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12 months housing history as it is not on file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. UW response - no housing history required per GL Foreign National - Seller-02/25/2025<br>| Resolved-As per the guidelines, housing history for the borrower's primary residence is not required for Foreign Nationals. Verified - Resolved. - Due Diligence Vendor-02/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451786 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 05:47 | 2025-02-26 10:38 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Borrower 1 Credit Report uploaded, FICO on the 1008 Page matches the Qualifying FICO from the Credit Liabilities, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Credit Report - Seller-02/25/2025 <br>Open-Qualifying FICO on the 1008 Page is '754' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'null' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Finding in place for missing credit report. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Credit Report - Seller-02/25/2025<br>| Resolved-Borrower 1 Credit Report uploaded, FICO on the 1008 Page matches the Qualifying FICO from the Credit Liabilities, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451610 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 05:47 | 2025-02-26 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Credit Report - Seller-02/25/2025 <br>Open-Borrower 1 Credit Report is Missing. Provide credit report as it is missing from file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Credit Report - Seller-02/25/2025<br>| Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451606 | N/A | N/A |
| XXXX | 9069057 |  |  | Closed | 2025-02-20 05:50 | 2025-02-25 10:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/24/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/24/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3451621 | N/A | N/A |
| XXXX | 9069075 |  |  | Closed | 2025-02-20 12:14 | 2025-03-03 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Updated 1003 with borrowers Business name - Seller-02/28/2025 <br>Counter-This finding is for the Application stating self employed in stead of that actual name of bwrs Business/company - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Compliance Response: The only difference from the LE to the final CD is that we added in section H a Broker Processing Fee to the Real Estate Agent, not the actual Broker on the loan. All other fees stayed the same or were lowered. If this is what the condition is referring to, than why would we cure this amount $195 when it went to the Real Estate agent, not us or the broker. There is no need to cure. - Seller-02/26/2025 <br>Open-The Final 1003 is Incomplete Provide the updated FINAL 1003 With Employer or Business Name, Employer or Business name not reflecting in FINAL 1003. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Updated 1003 with borrowers Business name - Seller-02/28/2025 <br>Ready for Review-Document Uploaded. Compliance Response: The only difference from the LE to the final CD is that we added in section H a Broker Processing Fee to the Real Estate Agent, not the actual Broker on the loan. All other fees stayed the same or were lowered. If this is what the condition is referring to, than why would we cure this amount $195 when it went to the Real Estate agent, not us or the broker. There is no need to cure. - Seller-02/26/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3452630 | N/A | N/A |
| XXXX | 9069075 |  |  | Closed | 2025-02-20 09:18 | 2025-02-25 20:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-02/25/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Broker Fees, Credit Report Fee, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for Initial CD 01/24/2025. - Due Diligence Vendor-02/20/2025 |  | Resolved- - Due Diligence Vendor-02/25/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3452090 | N/A | N/A |
| XXXX | 9069075 |  |  | Closed | 2025-02-20 09:18 | 2025-02-25 20:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-02/25/2025 <br>Resolved-The loan's (9.042%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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#'285, and the Final Closing disclosure on Pg#'130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 370,292,129. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'20,19, and confirmation the appraisal was delivered to the borrower – see Pg#'20,19. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/20/2025 |  | Resolved- - Due Diligence Vendor-02/25/2025 <br>Resolved-The loan's (9.042%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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#'285, and the Final Closing disclosure on Pg#'130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 370,292,129. An interior and exterior appraisal was completed for this property – see pg# 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'20,19, and confirmation the appraisal was delivered to the borrower – see Pg#'20,19. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/20/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3452092 | N/A | N/A |
| XXXX | 9069066 |  |  | Closed | 2025-02-25 13:57 | 2025-03-10 20:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 49.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025 <br> Resolved-Corrected 1003 & 1008 received to correct the rental income and the property taxes. System updated. Figures now match. Resolved. Audited DTI of 49.88% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. UW Response: Please see updated 1008 & 1003 attached along with snippet of rental income calculations - Seller-03/05/2025 <br> Open-Audited DTI of 50.18% exceeds Guideline DTI of 50% • Audit DTI calculated at 50.1796%, which exceeds guidelines of 50.000%. Variance comes from the calculation of the rental income for XXXX Per the 1008/1003, Lender calculated $500 - 25% vacancy factor = $375.00. No mortgage, taxes, or insurance were factored by the Lender. However, per the Lease Agreement in file, the Tax on the Property Report, and the Insurance, the Audit calculation is ($1,000 rent - 25% vacancy factor) - ($3,970.14 Tax / 12) - ($1,926.38 Insurance /12+ = $750.00 rent - $330.85 Taxes - $160.53 Insurance = $258.62 rent. This difference in rental income puts the DTI over 50%. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. UW Response: Please see updated 1008 & 1003 attached along with snippet of rental income calculations - Seller-03/05/2025<br>| Resolved-Audited DTI of 49.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025 <br>Resolved-Corrected 1003 & 1008 received to correct the rental income and the property taxes. System updated. Figures now match. Resolved. Audited DTI of 49.88% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3475242 | N/A | N/A |
| XXXX | 9069066 |  |  | Closed | 2025-02-25 14:11 | 2025-03-10 19:12 | Resolved | 1 - Information B A | Credit | Credit | Lease End Date was prior to Note Date | Resolved-Rent renewal received, for XXXX. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Lease Renewal - Seller-03/10/2025 <br> Open-The Residential Lease Agreement for XXXX ends on XXXX, which is before the First Payment Date of XXXX of the subject property Note. There is no evidence in file that this lease has been or will be extended. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Lease Renewal - Seller-03/10/2025<br>| Resolved-Rent renewal received, for XXXX. - Due Diligence Vendor-03/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3475379 | N/A | N/A |
| XXXX | 9069066 |  |  | Closed | 2025-02-25 14:00 | 2025-03-06 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected 1003 & 1008 received to correct the rental income and the property taxes. System updated. Figures now match. Resolved. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. UW Response: Please see updated 1008 & 1003 attached along with snippet of rental income calculations - Seller-03/05/2025 <br> Open-Audited DTI Exceeds Guideline DTI • Audit DTI calculated at 50.1796%, which exceeds guidelines of 50.000%. Variance comes from the calculation of the rental income for XXXX Per the 1008/1003, Lender calculated $500 - 25% vacancy factor = $375.00. No mortgage, taxes, or insurance were factored by the Lender. However, per the Lease Agreement in file, the Tax on the Property Report, and the Insurance, the Audit calculation is ($1,000 rent - 25% vacancy factor) - ($3,970.14 Tax / 12) - ($1,926.38 Insurance /12+ = $750.00 rent - $330.85 Taxes - $160.53 Insurance = $258.62 rent. This difference in rental income puts the DTI over 50%. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. UW Response: Please see updated 1008 & 1003 attached along with snippet of rental income calculations - Seller-03/05/2025<br>| Resolved-Corrected 1003 & 1008 received to correct the rental income and the property taxes. System updated. Figures now match. Resolved. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3475268 | N/A | N/A |
| XXXX | 9069066 |  |  | Closed | 2025-02-20 11:59 | 2025-02-26 22:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The XXXX LoanSafe Connect Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3452563 | N/A | N/A |
| XXXX | 9069054 |  |  | Closed | 2025-02-20 04:51 | 2025-02-26 09:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3451398 | N/A | N/A |
| XXXX | 9069036 |  |  | Closed | 2025-02-25 15:53 | 2025-02-28 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br> Counter-New 1003 & 1008 received, changing the Property Taxes to $372.46 monthly. However, the Final CD, Initial Escrow Account Disclosure Statement, and First Payment Letter still discloses $5,400 annual / $450 monthly property taxes. If the property taxes truly are the $4,469.56 annual / $372.46 monthly, then the file also needs a PCCD, a corrected Initial Escrow Account Disclosure Statement, and a corrected First Payment Letter. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025 <br> Open-The 1008 document is missing from the loan file. The 1008 provided discloses $180 in HOA dues for the subject property, but no such HOA was verified anywhere else in the file. Additionally, the 1008 counts $4,711.00 in other expenses. However, this does not match the credit report (the expenses on the Final 1003 duplicate some accounts that should only be counted once). And the 1008 does not take into account the rental property at XXXX ($4,XXXX). Total DTI per the audit is 38.6047%. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br>Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025<br>| Resolved-New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3476424 | N/A | N/A |
| XXXX | 9069036 |  |  | Closed | 2025-02-25 15:59 | 2025-02-28 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present. New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br>Counter-New 1003 & 1008 received, changing the Property Taxes to $372.46 monthly. However, the Final CD, Initial Escrow Account Disclosure Statement, and First Payment Letter still discloses $5,400 annual / $450 monthly property taxes. If the property taxes truly are the $4,469.56 annual / $372.46 monthly, then the file also needs a PCCD, a corrected Initial Escrow Account Disclosure Statement, and a corrected First Payment Letter. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025 <br>Open-Missing Evidence of Property Tax • File is missing evidence of the Taxes used for qualification. Per the Final CD and the 1008, Taxes were $5,400 annual ($450.00 monthly). The Tax Cert in file shows current year 2025 Taxes of $4,469.56 ($372.46 monthly). File is missing the evidence of where the $5,400 was verified. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br>Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025<br>| Resolved-Evidence of Property Tax is present. New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3476503 | N/A | N/A |
| XXXX | 9069036 |  |  | Closed | 2025-02-20 05:56 | 2025-02-28 13:16 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br>Counter-New 1003 & 1008 received, changing the Property Taxes to $372.46 monthly. However, the Final CD, Initial Escrow Account Disclosure Statement, and First Payment Letter still discloses $5,400 annual / $450 monthly property taxes. If the property taxes truly are the $4,469.56 annual / $372.46 monthly, then the file also needs a PCCD, a corrected Initial Escrow Account Disclosure Statement, and a corrected First Payment Letter. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025 <br>Open-• The 1008 provided discloses $180 in HOA dues for the subject property, but no such HOA was verified anywhere else in the file. Additionally, the 1008 counts $4,711.00 in other expenses. However, this does not match the credit report (the expenses on the Final 1003 duplicate some accounts that should only be counted once). And the 1008 does not take into account the rental property at 341 Overlook Lane ($4,305.70 mortgage + $310 HOA = $4,615.70 rental expense). Total DTI per the audit is 38.6047%. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Updated FPL, IEADS & PCCD for property taxes - Seller-02/27/2025 <br>Ready for Review-Document Uploaded. 1008 & 1003 - Seller-02/26/2025<br>| Resolved-New 1003, 1008, PCCD, IEADS, and First Payment Letter received to correct errors. Lender's new DTI of 38.36% matches the audit review of 38.3575% rounded to 38.36%. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3451636 | N/A | N/A |
| XXXX | 9069036 |  |  | Closed | 2025-02-20 05:23 | 2025-02-25 20:06 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX received with a score of 1.0 & R&W eligible. System updated. Resolved. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/25/2025 <br> Open-Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/25/2025<br>| Resolved-XXXX UCDP/SSR received with a score of 1.0 & R&W eligible. System updated. Resolved. - Due Diligence Vendor-02/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3451534 | N/A | N/A |
| XXXX | 9069019 |  |  | Closed | 2025-02-20 10:39 | 2025-02-26 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 2 Uncleared Alerts - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/25/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3452295 | N/A | N/A |
| XXXX | 9069019 |  |  | Closed | 2025-02-20 10:23 | 2025-02-26 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. VOR - Seller-02/25/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrower is renting at current address, provide VOR as it is not in file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. VOR - Seller-02/25/2025<br>| Resolved-Verification of Rent uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3452246 | N/A | N/A |
| XXXX | 9069019 |  |  | Closed | 2025-02-20 10:26 | 2025-02-25 10:20 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/24/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/24/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/25/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3452263 | N/A | N/A |
| XXXX | 9069021 |  |  | Closed | 2025-02-25 16:16 | 2025-03-07 18:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2025 <br>Resolved-Updated hud page - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Final HUD1 stamped certified & signed by all parties - Seller-02/25/2025 <br>Open-Final HUD-1 Document is Missing. Need stamped and certified final hud - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Final HUD1 stamped certified & signed by all parties - Seller-02/25/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2025 <br>Resolved-Updated hud page - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3476636 | N/A | N/A |
| XXXX | 9069021 |  |  | Closed | 2025-02-25 16:10 | 2025-03-06 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated asset page. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Access Letter - Seller-03/05/2025 <br>Open-Need LOE for the co-borrwer for access to joint account LOE is in file for the primary. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Access Letter - Seller-03/05/2025<br>| Resolved-Updated asset page. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3476595 | N/A | N/A |
| XXXX | 9069021 |  |  | Closed | 2025-02-25 16:03 | 2025-02-27 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/27/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/27/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3476541 | N/A | N/A |
| XXXX | 9069021 |  |  | Closed | 2025-02-25 16:10 | 2025-02-27 11:36 | Resolved | 1 - Information A | Property | Appraisal | Appraisal | Resolved-Interior photos provided - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Appraisal - Seller-02/26/2025 <br>Open-No interior photos of the property only a few exterior photos. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Appraisal - Seller-02/26/2025<br>| Resolved-Interior photos provided - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3476593 | N/A | N/A |
| XXXX | 9069042 |  |  | Closed | 2025-02-21 09:31 | 2025-02-27 11:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025 <br>Counter-Need the executed final Hud - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Final Disbursement Ledger from Title - Seller-02/25/2025 <br>Open-Final HUD-1 Document is Missing. Provide updated HUD-1 as the provided one on page 246 missing Settlement Agent Signature. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025 <br>Ready for Review-Document Uploaded. Final Disbursement Ledger from Title - Seller-02/25/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3459084 | N/A | N/A |
| XXXX | 9069042 |  |  | Closed | 2025-02-25 17:44 | 2025-02-27 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Open-Missing Third Party Fraud Report Fraud report shows uncleared alerts - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3478033 | N/A | N/A |
| XXXX | 9069042 |  |  | Closed | 2025-02-20 11:19 | 2025-02-26 09:52 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/25/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a XXXX report with scores less than 2.5; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/25/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3452411 | N/A | N/A |
| XXXX | 9069063 |  |  | Closed | 2025-02-21 11:42 | 2025-02-27 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/26/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3459449 | N/A | N/A |
| XXXX | 9069050 |  |  | Closed | 2025-02-25 22:16 | 2025-03-03 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Updated asset page. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. LOE for assets - Seller-02/28/2025 <br> Open-Need LOX for asset 2 with XXXX - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. LOE for assets - Seller-02/28/2025<br>| Resolved-Updated asset page. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3480626 | N/A | N/A |
| XXXX | 9069050 |  |  | Closed | 2025-02-21 06:06 | 2025-03-03 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3458682 | N/A | N/A |
| XXXX | 9069050 |  |  | Closed | 2025-02-21 07:39 | 2025-03-03 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-02/28/2025 <br>Open-The 1008 document is missing from the loan file. Provide the updated 1008 with HOA amount of $268 and subject property is PUD. HOA per Appraisal Report is $268 and 1008 document showing as $278.<br> - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-02/28/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3458909 | N/A | N/A |
| XXXX | 9069029 |  |  | Closed | 2025-02-21 07:04 | 2025-02-28 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-02/27/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as it is missing in file. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-02/27/2025<br>| Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3458821 | N/A | N/A |
| XXXX | 9069029 |  |  | Closed | 2025-02-21 06:29 | 2025-02-28 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-02/27/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing in file. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. 1008 - Seller-02/27/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3458732 | N/A | N/A |
| XXXX | 9069071 |  |  | Closed | 2025-02-21 07:11 | 2025-03-18 08:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE document uploaded, Hazard Insurance Coverage Amount of $XXXX is equal to Required Coverage Amount of $XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of $296493 is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. RCE - Seller-03/17/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Provide RCE as hazard coverage amount is not for the full loan amount.<br> - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. RCE - Seller-03/17/2025<br>| Resolved-RCE document uploaded, Hazard Insurance Coverage Amount of $XXXX is equal to Required Coverage Amount of $XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of $296493 is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-03/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3458846 | N/A | N/A |
| XXXX | 9069071 |  |  | Closed | 2025-02-21 06:52 | 2025-03-12 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/12/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. income worksheet. Also the GAP credit looked to have updated credit on it so the UW updated the 1003/1008 - Seller-03/11/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing from file. Per the final 1003 and 1008, qualifying monthly income is $XXXX provide lender worksheet validating this amount. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. income worksheet. Also the GAP credit looked to have updated credit on it so the UW updated the 1003/1008 - Seller-03/11/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/12/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3458789 | N/A | N/A |
| XXXX | 9069071 |  |  | Closed | 2025-02-21 07:03 | 2025-03-11 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/11/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-03/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/10/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/11/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3458818 | N/A | N/A |
| XXXX | 9069071 |  |  | Closed | 2025-02-21 07:18 | 2025-02-28 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Missing Third Party Fraud Report provide fraud report as it is missing from file. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3458872 | N/A | N/A |
| XXXX | 9069071 |  |  | Closed | 2025-02-21 07:57 | 2025-03-18 17:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-03/18/2025 <br>Resolved-The loan's (9.4%) APR equals or exceeds the Federal HPML threshold of (8.42%). 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 (6.92%).(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 page # 259 and the Final Closing disclosure on page # 146-150 reflects escrows. Rate lock date was entered correctly – see page # 344. An interior and exterior appraisal was completed for this property – see page # 27-61 , the appraisal disclosure was provided to the borrower(s)- see page # 25, 26 and copy of the appraisal was given to the borrower – see page # 25, 26 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/21/2025 |  | Resolved- - Due Diligence Vendor-03/18/2025 <br>Resolved-The loan's (9.4%) APR equals or exceeds the Federal HPML threshold of (8.42%). 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 (6.92%).(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 page # 259 and the Final Closing disclosure on page # 146-150 reflects escrows. Rate lock date was entered correctly – see page # 344. An interior and exterior appraisal was completed for this property – see page # 27-61 , the appraisal disclosure was provided to the borrower(s)- see page # 25, 26 and copy of the appraisal was given to the borrower – see page # 25, 26 for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/21/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3458944 | N/A | N/A |
| XXXX | 9069039 |  |  | Closed | 2025-02-21 10:34 | 2025-02-28 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 2 Uncleared Alerts - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3459252 | N/A | N/A |
| XXXX | 9069038 |  |  | Closed | 2025-02-24 15:56 | 2025-03-17 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-03/17/2025 <br> Resolved-reserves meet requirements, minor discrepancy between values, non issue. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. 1003/1008 - Seller-02/27/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement worksheet in file reflects $57,459.69 which does not match F1003/1008 Income of $58,929.38. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. 1003/1008 - Seller-02/27/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-03/17/2025 <br>Resolved-reserves meet requirements, minor discrepancy between values, non issue. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3469067 | N/A | N/A |
| XXXX | 9069038 |  |  | Closed | 2025-02-24 03:50 | 2025-03-03 13:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Sale of home assets - Seller-02/27/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements We have Net Proceeds(Other Specify) Funds amount $XXXX as per the final 1003 proof of document is missing in file.<br> - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. Sale of home assets - Seller-02/27/2025<br>| Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3466351 | N/A | N/A |
| XXXX | 9069038 |  |  | Closed | 2025-02-23 18:22 | 2025-02-28 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3466250 | N/A | N/A |
| XXXX | 9069038 |  |  | Closed | 2025-02-23 18:00 | 2025-02-27 10:38 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/26/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-02/23/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/26/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3466246 | N/A | N/A |
| XXXX | 9069038 |  |  | Closed | 2025-02-24 03:45 | 2025-02-26 15:05 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Fee changed by 40 cents from LE to CD. Lone estimates round down under 50 cents. This is acceptable. - Due Diligence Vendor-02/24/2025 |  | Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Fee changed by 40 cents from LE to CD. Lone estimates round down under 50 cents. This is acceptable. - Due Diligence Vendor-02/24/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3466349 | N/A | N/A |
| XXXX | 9069076 |  |  | Closed | 2025-02-26 16:00 | 2025-03-04 12:46 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Corrected PCCD received. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD - Seller-03/03/2025 <br> Counter-The attached PCCD still shows $500 as HOA dues. Page #1: Projected Payments. $504.29 Estimated Escrow of Taxes/Insurance, but $1,004.29 Estimated Taxes, Insurance, & Assessments. The difference is $500 for the HOA. It should reflect a difference of $300 for HOA. Also Page #4: Escrow Account, Non-Escrowed Property Costs Over Year 1 is $6000. That's $6000 / 12 = $500 monthly. That figure should reflect $3600 (divided by 12 months = $300) for HOA. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-03/03/2025 <br> Counter-If the 1003 & 1008 are being changed to reflect an HOA of $300 instead of $500, the Final CD is incorrect as well, since that shows $500 for HOA. A PCCD is required. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-03/01/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents • HOA amount used for qualification was $500.00 monthly. File is missing evidence of this. The only HOA payment evidence provided in the file was $300/month as shown on the Appraisal. File needs evidence of the $500/month HOA Condo dues. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Corrected PCCD - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. PCCD - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-03/01/2025<br>| Resolved-Corrected PCCD received. - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3484457 | N/A | N/A |
| XXXX | 9069070 |  |  | Closed | 2025-02-25 10:31 | 2025-02-28 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated Fraud Report, Fraud Report Showing 1 Uncleared High Alerts. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3474390 | N/A | N/A |
| XXXX | 9069070 |  |  | Closed | 2025-02-25 10:12 | 2025-02-28 10:08 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-02/27/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide the updated Gap Report. Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date). - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-02/27/2025<br>| Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3474351 | N/A | N/A |
| XXXX | 9069080 |  |  | Closed | 2025-02-26 05:11 | 2025-03-03 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/03/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows 1 Uncleared Alerts - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/03/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3481593 | N/A | N/A |
| XXXX | 9069080 |  |  | Closed | 2025-02-26 05:21 | 2025-02-27 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025 <br>Open-Final HUD-1 Document is Missing. Provide certified and stamped final HUD, as the one on file is missing settlement agent sign. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3481628 | N/A | N/A |
| XXXX | 9069060 |  |  | Closed | 2025-02-26 12:13 | 2025-03-19 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-XXXX & XXXX Mortgage financed under the Primary Residence, VOM uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. VOM History<br>- Seller-03/18/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. VOM missing from file. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. VOM History<br>- Seller-03/18/2025<br>| Resolved-XXXX #XXXX & XXXX #XXXX Mortgage financed under the Primary Residence, VOM uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/19/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3482530 | N/A | N/A |
| XXXX | 9069060 |  |  | Closed | 2025-02-25 15:39 | 2025-03-18 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Updated ID - Seller-03/17/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. We have DL on page$339 but that is Expired before the closing date. Provide the Updated Borrower ID Proof. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Updated ID - Seller-03/17/2025<br>| Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3476268 | N/A | N/A |
| XXXX | 9069060 |  |  | Closed | 2025-02-25 15:08 | 2025-03-04 10:21 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/04/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/03/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. In e file provided Secondary Valuation but CU Score is more than 2.5. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/03/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/04/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3475862 | N/A | N/A |
| XXXX | 9069033 |  |  | Closed | 2025-02-25 10:46 | 2025-02-28 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 high and 9 medium uncleared alerts. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 3474425 | N/A | N/A |
| XXXX | 9069062 |  |  | Closed | 2025-02-25 09:59 | 2025-03-03 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/03/2025 <br>Resolved-The Final 1003 is Incomplete received updated 1003 - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-02/27/2025 <br>Open-The Final 1003 is Incomplete As per LOX page 417 borrower living as rent free but 1003 reflecting as rent. required updated 1003 with no primary housing expenses. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-02/27/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/03/2025 <br>Resolved-The Final 1003 is Incomplete received updated 1003 - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3474335 | N/A | N/A |
| XXXX | 9069062 |  |  | Closed | 2025-02-25 04:44 | 2025-02-28 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3473361 | N/A | N/A |
| XXXX | 9069062 |  |  | Closed | 2025-02-25 05:26 | 2025-03-03 19:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-03/03/2025 <br>Resolved-The loan's (9.544%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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# 415 and the Final Closing disclosure on Pg# 294, Finding reflects escrows. Rate lock date was entered correctly – see Pg 474, 420. An interior and exterior appraisal was completed for this property – see Pg 40-70, the appraisal disclosure was provided to the borrower(s)- see Pg 37, and confirmation the appraisal was delivered to the borrower – see Pg 389, 422 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/25/2025 |  | Resolved- - Due Diligence Vendor-03/03/2025 <br>Resolved-The loan's (9.544%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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# 415 and the Final Closing disclosure on Pg# 294, Finding reflects escrows. Rate lock date was entered correctly – see Pg 474, 420. An interior and exterior appraisal was completed for this property – see Pg 40-70, the appraisal disclosure was provided to the borrower(s)- see Pg 37, and confirmation the appraisal was delivered to the borrower – see Pg 389, 422 . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/25/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3473591 | N/A | N/A |
| XXXX | 9069023 |  |  | Closed | 2025-02-25 07:14 | 2025-02-28 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared finding - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/27/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3474026 | N/A | N/A |
| XXXX | 9069035 |  |  | Closed | 2025-02-26 08:10 | 2025-02-27 20:26 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with a score of 1.5. System updated. Resolved. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-02/27/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/27/2025<br>| Resolved-FHLMC UCDP/SSR received with a score of 1.5. System updated. Resolved. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3481982 | N/A | N/A |
| XXXX | 9069035 |  |  | Closed | 2025-02-26 08:51 | 2025-02-28 13:22 | Resolved | 1 - Information A | Compliance | HigherRisk:APR | XXXX - Nonprime Home Loan (First Lien) (8/15) | Resolved-. - Due Diligence Vendor-02/28/2025 <br> Resolved-This is a XXXX Nonprime Home Loan. The loan's (9.79%) APR equals or exceeds the XXXX Nonprime Home Loan threshold of (8.57%). The difference is (1.22). 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 (7.07%). (Conn. Gen. Stat. 36a-760(a)(7)) 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 page # 335 and the Final Closing disclosure on page # Undiscounted Rate reflects escrows. Rate lock date was entered correctly – see page # 354-355. An interior and exterior appraisal was completed for this property – see page # 29-55 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28, and confirmation the appraisal was delivered to the borrower – see page #27, 28. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/26/2025 |  | Resolved-. - Due Diligence Vendor-02/28/2025 <br>Resolved-This is a XXXX Nonprime Home Loan. The loan's (9.79%) APR equals or exceeds the XXXX Nonprime Home Loan threshold of (8.57%). The difference is (1.22). 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 (7.07%). (Conn. Gen. Stat. 36a-760(a)(7)) 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 page # 335 and the Final Closing disclosure on page # Undiscounted Rate reflects escrows. Rate lock date was entered correctly – see page # 354-355. An interior and exterior appraisal was completed for this property – see page # 29-55 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28, and confirmation the appraisal was delivered to the borrower – see page #27, 28. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3482069 | N/A | N/A |
| XXXX | 9069035 |  |  | Closed | 2025-02-26 08:51 | 2025-02-28 13:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-02/28/2025 <br>Resolved-The loan's (9.79%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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 page # 335 and the Final Closing disclosure on page # Undiscounted Rate reflects escrows. Rate lock date was entered correctly – see page # 354-355. An interior and exterior appraisal was completed for this property – see page # 29-55 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28, and confirmation the appraisal was delivered to the borrower – see page #27, 28. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/26/2025 |  | Resolved-. - Due Diligence Vendor-02/28/2025 <br>Resolved-The loan's (9.79%) APR equals or exceeds the Federal HPML threshold of (8.57%). 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 (7.07%).(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 page # 335 and the Final Closing disclosure on page # Undiscounted Rate reflects escrows. Rate lock date was entered correctly – see page # 354-355. An interior and exterior appraisal was completed for this property – see page # 29-55 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28, and confirmation the appraisal was delivered to the borrower – see page #27, 28. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3482070 | N/A | N/A |
| XXXX | 9069046 |  |  | Closed | 2025-02-26 11:05 | 2025-03-03 10:02 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/28/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/28/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3482308 | N/A | N/A |
| XXXX | 9069031 |  |  | Closed | 2025-02-26 10:09 | 2025-02-28 10:00 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-02/27/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-02/27/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3482170 | N/A | N/A |
| XXXX | 9069047 |  |  | Closed | 2025-02-26 06:20 | 2025-03-04 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-B2 Rent Free letter from the owner of the property uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Rent Free Letter - Seller-03/03/2025 <br>Open-Bwr#2 is living rent-free per Letter from the borrower. However the file requires the rent-free letter from the property homeowner confirming the rent-free status. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Rent Free Letter - Seller-03/03/2025<br>| Resolved-B2 Rent Free letter from the owner of the property uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3481728 | N/A | N/A |
| XXXX | 9069047 |  |  | Closed | 2025-02-27 17:46 | 2025-03-04 10:02 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-03/04/2025 <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-03/03/2025 <br>Open-Qualifying FICO on the 1008 Page is '791' or blank, but the Qualifying FICO from the Credit Liabilities Page is '819' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per Guidelines section 3.1.10 – CREDIT SCORE for a DSCR loan: "DSCR Documentation: Determine a decision credit score for each borrower/guarantor (lower of two or middle<br> of three), use highest decision credit score amongst all borrowers/guarantors to determine loan eligibility." The mid scores for each borrower is 819 & 791, therefore the higher (819) should be used. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/03/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-03/04/2025 <br>Resolved-Corrected 1008 received. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3494445 | N/A | N/A |
| XXXX | 9069047 |  |  | Closed | 2025-02-27 18:01 | 2025-02-27 20:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document identified. System updated with the correct information. Finding resolved. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Final HUD signed by all - Seller-02/27/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. • There is a Settlement Statement (HUD-1) on pages 395-398 of the initial upload file, and there is a Combined Final Closing Statement on pages 392-393. Then there is an Addendum to HUD-1 Settlement Statement signed by the borrowers and the Settlement Agent in between those documents on page #394. Unable to determine which document the signature page belongs to; and, therefore, unable to determine which document is truly the final. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Final HUD signed by all - Seller-02/27/2025<br>| Resolved-Final HUD-1 Document identified. System updated with the correct information. Finding resolved. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3494646 | N/A | N/A |
| XXXX | 9066869 |  |  | Closed | 2025-03-12 14:52 | 2025-03-18 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD uploaded. Mavent ran. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing disclosure - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Initial CD uploaded. Mavent ran. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3591210 | N/A | N/A |
| XXXX | 9066712 |  |  | Closed | 2025-03-21 04:00 | 2025-03-28 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-The Final 1003 is Incomplete Provided final 1003 for B2 is not reflecting REO. B2 shows primary as owned and verified title vested, but REO of B2 is blank. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3664557 | N/A | N/A |
| XXXX | 9066712 |  |  | Closed | 2025-03-21 07:36 | 2025-03-21 07:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.121%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s466 .<br> Final Closing disclosure on Pg#'220<br> Rate lock doc on pg-219.<br> An interior and exterior appraisal was completed for this property on pg-37. <br> A copy of the appraisal was given to the borrower on pgs-514.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 267, 269.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/21/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.121%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s466 .<br> Final Closing disclosure on Pg#'220<br> Rate lock doc on pg-219.<br> An interior and exterior appraisal was completed for this property on pg-37. <br> A copy of the appraisal was given to the borrower on pgs-514.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 267, 269.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3665102 | N/A | N/A |
| XXXX | 9066712 |  |  | Closed | 2025-03-21 07:36 | 2025-03-21 07:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.121%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s466 .<br> Final Closing disclosure on Pg#'220<br> Rate lock doc on pg-219.<br> An interior and exterior appraisal was completed for this property on pg-37. <br> A copy of the appraisal was given to the borrower on pgs-514.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 267, 269.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/21/2025 |  | Resolved-The loan's (8.121%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s466 .<br> Final Closing disclosure on Pg#'220<br> Rate lock doc on pg-219.<br> An interior and exterior appraisal was completed for this property on pg-37. <br> A copy of the appraisal was given to the borrower on pgs-514.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 267, 269.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3665103 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-24 16:40 | 2025-04-29 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Drivers license and Consular card received. - Due Diligence Vendor-04/29/2025 <br>Ready for Review- - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing. Missing photos ID's for license and passport as 2 forms of identification are required. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Drivers license and Consular card received. - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3952722 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 10:56 | 2025-04-29 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/29/2025 <br>Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report, as it is missing in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/29/2025 <br>Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3912048 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 09:00 | 2025-04-25 20:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/24/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003, as it is missing in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. attached - Seller-04/24/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3911666 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 09:28 | 2025-04-25 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/24/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document, as it is missing in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. attached - Seller-04/24/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3911752 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 09:28 | 2025-04-25 09:59 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. See page 3 of attached. - Seller-04/24/2025 <br>Open-Provide lender approval form, as it is missing in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. See page 3 of attached. - Seller-04/24/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3911755 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 11:34 | 2025-04-29 16:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 <br>Open-. - Due Diligence Vendor-04/29/2025 <br>Resolved-The loan's (9.226%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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 323 and the Final Closing disclosure on Pg#'s 108, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335, 329. An interior and exterior appraisal was completed for this property – see pg# 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 360, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18, 180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 <br>Resolved-The loan's (9.226%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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 323 and the Final Closing disclosure on Pg#'s 108, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335, 329. An interior and exterior appraisal was completed for this property – see pg# 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 360, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18, 180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3912202 | N/A | N/A |
| XXXX | 9127752 |  |  | Closed | 2025-04-21 11:34 | 2025-04-29 16:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 <br>Open-. - Due Diligence Vendor-04/29/2025 <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.226%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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 323 and the Final Closing disclosure on Pg#'s 108, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335, 329. An interior and exterior appraisal was completed for this property – see pg# 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 360, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18, 180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.226%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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 323 and the Final Closing disclosure on Pg#'s 108, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 335, 329. An interior and exterior appraisal was completed for this property – see pg# 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 360, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18, 180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3912200 | N/A | N/A |
| XXXX | 9127757 |  |  | Closed | 2025-04-24 16:06 | 2025-04-28 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD with gift funds received. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-TRID: Missing Final Closing Disclosure. Missing gift of $XXXX on final CD. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-PCCD with gift funds received. - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3952260 | N/A | N/A |
| XXXX | 9127757 |  |  | Closed | 2025-04-23 06:37 | 2025-04-28 13:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/28/2025 <br>Open-. - Due Diligence Vendor-04/28/2025 <br>Resolved-The loan's (8.919%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 291 and the Final Closing disclosure on Pg#'s 113, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 300, 108. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 347, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-The loan's (8.919%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 291 and the Final Closing disclosure on Pg#'s 113, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 300, 108. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 347, and confirmation the appraisal was delivered to the borrower – see Pg#'s 161. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3933883 | N/A | N/A |
| XXXX | 9127713 |  |  | Closed | 2025-04-23 10:37 | 2025-04-23 10:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.295%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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 614, 539 and the Final Closing disclosure on Pg#'s 317, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 631, 625. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654, and confirmation the appraisal was delivered to the borrower – see Pg#'s 289, 412. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.295%) equals or exceeds the XXXX HPML threshold of (8.12%). 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 (6.62%).(Cal. Fin. Code 4995(a); 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 614, 539 and the Final Closing disclosure on Pg#'s 317, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 631, 625. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654, and confirmation the appraisal was delivered to the borrower – see Pg#'s 289, 412. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3935064 | N/A | N/A |
| XXXX | 9127713 |  |  | Closed | 2025-04-23 10:37 | 2025-04-23 10:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.295%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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 614, 539 and the Final Closing disclosure on Pg#'s 317, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 631, 625. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654, and confirmation the appraisal was delivered to the borrower – see Pg#'s 289, 412. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-The loan's (9.295%) APR equals or exceeds the Federal HPML threshold of (8.12%). 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 (6.62%).(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 614, 539 and the Final Closing disclosure on Pg#'s 317, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 631, 625. An interior and exterior appraisal was completed for this property – see pg# 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654, and confirmation the appraisal was delivered to the borrower – see Pg#'s 289, 412. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3935065 | N/A | N/A |

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## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 - Schedule 5**

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| **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** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent 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** |
| 8104580 |  | 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 |  | 05/13/2024 | 7.050% | Manual Underwriting | Manual Underwriting | No | 10.253% |  | 9.750% | 9.750% | $3425.70 | No |  | $8542.92 | $711.91 | $1922.04 | $160.17 | $1029.96 | $85.83 | $0.00 | $4383.61 | $9018.15 | N/A | XXXX | TX | $85.83 | XXXX | Annually | 33.69% | 33.29% | 33.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 2 YRS 1099 Verified - 2023, 2022 | Borrower - 2023, 2022 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 30711.21 | 7 | 30711.21 | 7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 8442083 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.990% | 7.990% | $2221.19 | Yes | 18.000% | $6941.64 | $578.47 | $1572.00 | $131.00 | $0.00 | $0.00 | $0.00 | $2930.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.116 | 1.109 | N/A | Borrower | Borrower | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 48485.87 | 16.5 | 76547.20 | 26.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442085 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1707.44 | Yes | 18.000% | $699.00 | $58.25 | $1762.08 | $146.84 | $0.00 | $0.00 | $0.00 | $1912.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.046 | 1.046 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act Information | CA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 23668.09 | 12.4 | 151177.84 | 79.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 8442105 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1218.12 | Yes | 18.000% | $866.28 | $72.19 | $1400.76 | $116.73 | $0.00 | $0.00 | $0.00 | $1407.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.258 | 1.258 | N/A | Borrower | Borrower | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 61679.27 | 43.8 | 73315.40 | 52.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442120 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1308.53 | Yes | 18.000% | $1621.68 | $135.14 | $1829.76 | $152.48 | $0.00 | $0.00 | $0.00 | $1596.15 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.435 | 1.435 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 23158.63 | 14.5 | 61968.53 | 38.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442141 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $725.85 | Yes | 18.000% | $732.36 | $61.03 | $1866.60 | $155.55 | $0.00 | $0.00 | $0.00 | $942.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.538 | 1.539 | N/A | Borrower | Borrower | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 14713.52 | 15.6 | 14713.52 | 15.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442144 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.750% | 7.750% | $736.47 | Yes | 18.000% | $1896.12 | $158.01 | $2226.96 | $185.58 | $0.00 | $0.00 | $0.00 | $1080.06 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.555 | 1.555 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 183208.82 | 169.6 | 183208.82 | 169.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442149 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $11354.43 | Yes | 18.000% | $7772.16 | $647.68 | $3870.36 | $322.53 | $0.00 | $0.00 | $0.00 | $12324.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.343 | 1.552 | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 646868.50 | 60.8 | 1118842.60 | 105.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442130 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $7506.21 | Yes | 18.000% | $11087.88 | $923.99 | $8978.04 | $748.17 | $0.00 | $0.00 | $0.00 | $9178.37 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.623 | 1.615 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 60116.63 | 6.5 | 1009975.53 | 110 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 8442152 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.250% | 7.250% | $4389.80 | Yes | 18.000% | $5755.56 | $479.63 | $5789.28 | $482.44 | $0.00 | $0.00 | $0.00 | $5351.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.165 | 1.166 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 373121.58 | 69.7 | 990684.27 | 185.1 | Yes | 74.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9015084 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | $3055.00 | Yes | 11.500% | $10573.32 | $881.11 | $1292.04 | $107.67 | $0.00 | $0.00 | $0.00 | $4043.78 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.014 | 1.014 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 45250.26 | 11.2 | 45250.26 | 11.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9015090 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $7339.21 | Yes | 10.875% | $4187.64 | $348.97 | $2446.92 | $203.91 | $0.00 | $0.00 | $0.00 | $7892.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.203 | 1.203 | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 159662.21 | 20.2 | 159662.21 | 20.2 | No | 67.3 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9015088 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | $1263.22 | Yes | 11.125% | $2049.48 | $170.79 | $1097.04 | $91.42 | $0.00 | $0.00 | $0.00 | $1525.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.18 | 1.17 |  | Borrower | Borrower | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 61131.14 | 40.1 | No | 70.49 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9015230 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $8133.82 | Yes | 18.000% | $23292.96 | $1941.08 | $8538.00 | $711.50 | $2400.00 | $200.00 | $0.00 | $10986.40 |  | N/A | XXXX |  | $200.00 | XXXX |  | 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 | 1.033 | 1.035 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States of America | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 212237.86 | 20.8 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9015231 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $7973.77 | Yes | 18.000% | $24045.96 | $2003.83 | $9318.00 | $776.50 | $1800.00 | $150.00 | $0.00 | $10904.10 |  | N/A | XXXX |  | $150.00 | XXXX |  | 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 | 1.048 | 1.038 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States of America | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 92905.41 | 9.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9015232 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $9683.77 | Yes | 18.000% | $28482.48 | $2373.54 | $10659.96 | $888.33 | $1800.00 | $150.00 | $0.00 | $13095.64 |  | N/A | XXXX |  | $150.00 | XXXX |  | 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 | 1.099 | 1.1 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States of America | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 209053.27 | 17.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036343 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $777.01 | Yes | 18.000% | $2684.64 | $223.72 | $411.60 | $34.30 | $0.00 | $0.00 | $0.00 | $1035.03 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.251 | 1.251 | N/A | Borrower | Borrower | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 4789.72 | 4.6 | 106371.21 | 102.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036348 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1993.66 | Yes | 18.000% | $817.20 | $68.10 | $1640.28 | $136.69 | $0.00 | $0.00 | $0.00 | $2198.45 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 0.978 | 1.004 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8287.71 | 3.8 | 84577.33 | 38.5 | No | 73.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036351 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $767.45 | Yes | 18.000% | $1427.28 | $118.94 | $857.04 | $71.42 | $0.00 | $0.00 | $0.00 | $957.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.316 | 1.316 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 89699.22 | 93.7 | 193037.10 | 201.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036356 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.990% | 6.990% | $1355.85 | Yes | 18.000% | $4511.52 | $375.96 | $924.00 | $77.00 | $0.00 | $0.00 | $0.00 | $1808.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.266 | 1.266 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 12303.93 | 6.8 | 12303.93 | 6.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036359 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1969.78 | Yes | 18.000% | $636.48 | $53.04 | $985.56 | $82.13 | $0.00 | $0.00 | $0.00 | $2104.95 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.164 | 1.211 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8287.71 | 3.9 | 82249.52 | 39.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036364 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1163.10 | Yes | 18.000% | $6058.80 | $504.90 | $2250.48 | $187.54 | $2160.00 | $180.00 | $0.00 | $2035.54 |  | N/A | XXXX | FL | $180.00 | 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 | 1.032 | 1.032 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | USA | XXXX |  | XXXX | H-1B Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 151170.10 | 74.3 | 151170.10 | 74.3 | No | 63.47 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036366 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1282.62 | Yes | 18.000% | $1304.64 | $108.72 | $1601.64 | $133.47 | $0.00 | $0.00 | $0.00 | $1524.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.108 | 1.108 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 670.87 | 0.4 | 155531.18 | 102 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9036368 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $3170.92 | Yes | 18.000% | $10097.04 | $841.42 | $2616.12 | $218.01 | $0.00 | $0.00 | $0.00 | $4230.35 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.014 | 1.014 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 59139.75 | 14 | 59139.75 | 14 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9036371 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $859.69 | Yes | 18.000% | $3767.88 | $313.99 | $1465.56 | $122.13 | $0.00 | $0.00 | $0.00 | $1295.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.003 | 1.003 |  | Borrower | Borrower | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 2361.02 | 1.8 | 111459.42 | 86 | No | 70.59 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036373 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $957.86 | Yes | 18.000% | $3687.72 | $307.31 | $816.36 | $68.03 | $0.00 | $0.00 | $0.00 | $1333.20 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.013 | 1.013 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 32123.09 | 24.1 | 58757.87 | 44.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036376 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1086.43 | Yes | 18.000% | $3036.96 | $253.08 | $1178.76 | $98.23 | $0.00 | $0.00 | $0.00 | $1437.74 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.252 | 1.252 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 2000.00 | 1.4 | 149176.45 | 103.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9036377 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2945.09 | Yes | 18.000% | $3152.52 | $262.71 | $3709.68 | $309.14 | $0.00 | $0.00 | $0.00 | $3516.94 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.038 | 1.038 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .83 | 0 | 202151.94 | 57.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036380 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1067.45 | Yes | 18.000% | $939.84 | $78.32 | $842.76 | $70.23 | $1896.00 | $158.00 | $0.00 | $1374.00 |  | N/A | XXXX | VA | $158.00 | 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 | 1.019 | 1.019 | N/A | Borrower | Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 96340.72 | 75.9 | 96340.72 | 75.9 | No | 76.41 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036384 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.875% | 6.875% | $1182.47 | Yes | 18.000% | $3039.36 | $253.28 | $836.04 | $69.67 | $0.00 | $0.00 | $0.00 | $1505.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.023 | 1.023 | N/A | Borrower | Borrower | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 175785.04 | 116.8 | 179983.27 | 119.6 | No | 56.6 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036385 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $13459.88 | Yes | 18.000% | $19249.92 | $1604.16 | $4082.04 | $340.17 | $0.00 | $0.00 | $0.00 | $15404.21 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.009 | 1.009 | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1569139.29 | 112.3 | 1569139.29 | 112.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036386 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $615.78 | Yes | 18.000% | $710.52 | $59.21 | $1069.32 | $89.11 | $0.00 | $0.00 | $0.00 | $764.10 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.649 | 1.649 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 33566.55 | 43.9 | 105453.64 | 138 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036388 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1905.66 | Yes | 18.000% | $4160.52 | $346.71 | $2487.24 | $207.27 | $456.00 | $38.00 | $0.00 | $2497.64 |  | N/A | XXXX | FL | $38.00 | 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 | 1.017 | 1.017 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 153438.46 | 61.4 | 153438.46 | 61.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036394 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1055.62 | Yes | 18.000% | $429.00 | $35.75 | $2027.28 | $168.94 | $0.00 | $0.00 | $0.00 | $1260.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.079 | 1.079 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1290.03 | 1 | 35658.76 | 28.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036401 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | $1040.47 | Yes | 18.000% | $2736.96 | $228.08 | $1355.04 | $112.92 | $0.00 | $0.00 | $0.00 | $1381.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.003 | 1.003 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 16725.93 | 12.1 | 107210.26 | 77.6 | No | 72.47 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036418 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1223.63 | Yes | 18.000% | $2068.56 | $172.38 | $2931.96 | $244.33 | $0.00 | $0.00 | $0.00 | $1640.34 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.021 | 1.021 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 486.91 | 0.3 | 38641.74 | 25.6 | No | 67.31 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036419 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1117.31 | Yes | 18.000% | $831.12 | $69.26 | $899.04 | $74.92 | $0.00 | $0.00 | $0.00 | $1261.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.11 | 1.11 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 56351.80 | 44.7 | 92188.47 | 73.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036420 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.375% | 8.375% | $1721.56 | Yes | 18.000% | $2058.12 | $171.51 | $2457.00 | $204.75 | $0.00 | $0.00 | $0.00 | $2097.82 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.406 | 1.406 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 56351.80 | 26.9 | 118415.41 | 56.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036432 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $734.13 | Yes | 18.000% | $1015.68 | $84.64 | $1205.04 | $100.42 | $0.00 | $0.00 | $0.00 | $919.19 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.382 | 1.382 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1522.83 | 1.7 | 94587.24 | 102.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036433 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1517.21 | Yes | 18.000% | $2603.40 | $216.95 | $1134.96 | $94.58 | $0.00 | $0.00 | $0.00 | $1828.74 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.039 | 1.039 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 58873.50 | 32.2 | 68576.87 | 37.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036434 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1930.50 | Yes | 18.000% | $3722.16 | $310.18 | $1295.04 | $107.92 | $0.00 | $0.00 | $0.00 | $2348.60 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.064 | 1.064 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 58873.50 | 25.1 | 105213.43 | 44.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036435 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1616.92 | Yes | 18.000% | $1586.16 | $132.18 | $1331.04 | $110.92 | $0.00 | $0.00 | $0.00 | $1860.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.021 | 1.021 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 49586.80 | 26.7 | 49586.80 | 26.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9036437 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1638.63 | Yes | 18.000% | $4396.56 | $366.38 | $870.96 | $72.58 | $2700.00 | $225.00 | $0.00 | $2302.59 |  | N/A | XXXX | MN | $225.00 | 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 | 1.042 | 1.042 | N/A | Borrower | Borrower | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 86736.57 | 37.7 | 86736.57 | 37.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036438 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1531.33 | Yes | 18.000% | $3244.68 | $270.39 | $984.24 | $82.02 | $7940.28 | $661.69 | $0.00 | $2545.43 |  | Yes | XXXX | WA | $661.69 | 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 | 1.184 | 1.184 | N/A | Borrower | Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 67419.90 | 26.5 | 180011.59 | 70.7 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036441 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $804.83 | Yes | 18.000% | $3403.92 | $283.66 | $1243.92 | $103.66 | $0.00 | $0.00 | $0.00 | $1192.15 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.032 | 1.032 | N/A | Borrower | Borrower | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8551.94 | 7.2 | 113218.16 | 95 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036443 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1665.66 | Yes | 18.000% | $3150.00 | $262.50 | $1148.28 | $95.69 | $7104.00 | $592.00 | $0.00 | $2615.85 |  | Yes | XXXX | WA | $592.00 | 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 | 1.214 | 1.214 | N/A | Borrower | Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 65914.38 | 25.2 | 155764.31 | 59.6 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036447 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $855.54 | Yes | 18.000% | $821.52 | $68.46 | $1155.96 | $96.33 | $0.00 | $0.00 | $0.00 | $1020.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.323 | 1.323 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 9.27 | 0 | 95081.11 | 93.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9036445 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5098.24 | Yes | 18.000% | $6080.28 | $506.69 | $8183.04 | $681.92 | $0.00 | $0.00 | $0.00 | $6286.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.095 | 1.095 | N/A | Borrower | Borrower | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 66764.21 | 10.6 | 317952.33 | 50.6 | Yes | 70.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9015083 |  | 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 |  | 12/19/2024 | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.838% |  | 6.750% | 6.750% | $7063.23 | No |  | $20172.12 | $1681.01 | $9914.04 | $826.17 | $2340.00 | $195.00 | $0.00 | $9765.41 | $14354.65 | Yes | XXXX | CA | $195.00 | XXXX | Monthly | 40.74% | 40.74% | 40.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 66752.82 | 6.8 | 66752.82 | 6.8 | No | 51.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069055 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $1976.90 | No |  | $4024.92 | $335.41 | $1481.04 | $123.42 | $0.00 | $0.00 | $0.00 | $2435.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.54 | 1.54 | N/A | Borrower | Borrower | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 248935.10 | 102.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069049 |  | 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 |  | 01/27/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.627% |  | 7.375% | 7.375% | $2499.69 | No |  | $5655.00 | $471.25 | $1170.00 | $97.50 | $0.00 | $0.00 | $0.00 | $3068.44 | $6868.06 | N/A | XXXX |  | $0.00 | XXXX |  | 42.67% | 42.67% | 42.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 96.82% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 47199.82 | 18.2 | 47199.82 | 18.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9054708 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $924.46 | Yes | 18.000% | $785.04 | $65.42 | $1463.04 | $121.92 | $0.00 | $0.00 | $0.00 | $1111.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.079 | 1.079 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | TN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 12809.06 | 11.5 | 46853.87 | 42.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9054713 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $815.70 | Yes | 18.000% | $1730.52 | $144.21 | $1113.00 | $92.75 | $0.00 | $0.00 | $0.00 | $1052.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.254 | 1.254 | N/A | Borrower | Borrower | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 15571.29 | 14.8 | 31205.13 | 29.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054715 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2605.91 | Yes | 18.000% | $5771.76 | $480.98 | $1200.96 | $100.08 | $0.00 | $0.00 | $0.00 | $3186.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.004 | 1.004 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 46039.42 | 15.9 | 46039.42 | 15.9 | No | 63.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054716 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1429.47 | Yes | 18.000% | $1341.00 | $111.75 | $1518.84 | $126.57 | $0.00 | $0.00 | $0.00 | $1667.79 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.079 | 1.079 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 39.45 | 0 | 174192.83 | 104.5 | No | 69.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054717 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1249.75 | Yes | 18.000% | $5092.32 | $424.36 | $583.32 | $48.61 | $0.00 | $0.00 | $0.00 | $1722.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.335 | 1.335 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 33778.50 | 19.6 | 33778.50 | 19.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9054721 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $573.31 | Yes | 18.000% | $1578.60 | $131.55 | $2082.12 | $173.51 | $0.00 | $0.00 | $0.00 | $878.37 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 2.072 | 2.069 |  | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 3997.72 | 4.6 | 76556.57 | 87.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054722 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1297.53 | Yes | 18.000% | $3117.24 | $259.77 | $1693.92 | $141.16 | $0.00 | $0.00 | $0.00 | $1698.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.266 | 1.119 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 7429.26 | 4.4 | 78081.44 | 46 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054724 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $666.26 | Yes | 18.000% | $1049.40 | $87.45 | $1161.96 | $96.83 | $0.00 | $0.00 | $0.00 | $850.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.246 | 1.246 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 2424.87 | 2.9 | 85726.46 | 100.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054726 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1579.91 | Yes | 18.000% | $5415.96 | $451.33 | $1833.12 | $152.76 | $0.00 | $0.00 | $0.00 | $2184.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.007 | 1.007 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 135290.48 | 64.3 | 171504.98 | 81.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9054727 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.825% | $652.56 | Yes | 18.000% | $933.84 | $77.82 | $1209.12 | $100.76 | $0.00 | $0.00 | $0.00 | $831.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.54 | 1.54 |  | Borrower | Borrower | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 84167.85 | 101.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054728 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $779.10 | Yes | 18.000% | $797.04 | $66.42 | $1590.00 | $132.50 | $0.00 | $0.00 | $0.00 | $978.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.278 | 1.278 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 421888.59 | 431.4 | 516138.32 | 527.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054730 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $711.17 | Yes | 18.000% | $1301.16 | $108.43 | $1579.92 | $131.66 | $0.00 | $0.00 | $0.00 | $951.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.23 | 1.23 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 758054.90 | 796.9 | 854100.85 | 897.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054748 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $663.44 | Yes | 18.000% | $2004.84 | $167.07 | $687.96 | $57.33 | $0.00 | $0.00 | $0.00 | $887.84 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.352 | 1.352 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 7244.65 | 8.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054749 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2441.89 | Yes | 18.000% | $1494.84 | $124.57 | $3480.96 | $290.08 | $0.00 | $0.00 | $0.00 | $2856.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.033 | 1.033 | N/A | Borrower | Borrower | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 93837.67 | 32.9 | 158089.00 | 55.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054753 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1074.62 | Yes | 18.000% | $4245.48 | $353.79 | $1608.96 | $134.08 | $0.00 | $0.00 | $0.00 | $1562.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.037 | 1.037 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | GA | USA | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 54939.38 | 35.2 | 54939.38 | 35.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054754 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $792.73 | Yes | 18.000% | $1111.80 | $92.65 | $2250.96 | $187.58 | $0.00 | $0.00 | $0.00 | $1072.96 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.258 | 1.258 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 54266.03 | 50.6 | 154030.18 | 143.6 | No | 68.71 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054757 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $913.59 | Yes | 18.000% | $2435.28 | $202.94 | $600.96 | $50.08 | $0.00 | $0.00 | $0.00 | $1166.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.5 | 1.5 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | Israel | XXXX | Israel | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 111201.87 | 95.3 | 121454.73 | 104.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054758 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $908.15 | Yes | 18.000% | $1401.96 | $116.83 | $1014.00 | $84.50 | $0.00 | $0.00 | $0.00 | $1109.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.161 | 1.161 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 102612.93 | 92.5 | 217394.40 | 195.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054763 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.750% | 7.750% | $585.67 | Yes | 18.000% | $797.04 | $66.42 | $710.04 | $59.17 | $0.00 | $0.00 | $0.00 | $711.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 2.25 | 2.25 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | N/A | USA | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8225.77 | 11.6 | 80137.56 | 112.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054766 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1320.01 | Yes | 18.000% | $3417.96 | $284.83 | $3529.92 | $294.16 | $0.00 | $0.00 | $0.00 | $1899.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.053 | 1.053 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 17254.76 | 9.1 | 17254.76 | 9.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054773 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.990% | 7.990% | $978.65 | Yes | 18.000% | $1973.16 | $164.43 | $732.00 | $61.00 | $0.00 | $0.00 | $0.00 | $1204.08 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.08 | 1.08 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | ISRAEL | XXXX | ISRAEL | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 100735.00 | 83.7 | 222382.31 | 184.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054774 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1189.09 | Yes | 18.000% | $934.20 | $77.85 | $1665.96 | $138.83 | $0.00 | $0.00 | $0.00 | $1405.77 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.138 | 1.138 |  | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 6869.99 | 4.9 | 159151.09 | 113.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054776 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $947.95 | Yes | 18.000% | $1269.84 | $105.82 | $2670.00 | $222.50 | $0.00 | $0.00 | $0.00 | $1276.27 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.089 | 1.089 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1286.16 | 1 | 126774.17 | 99.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054778 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $1470.14 | Yes | 18.000% | $3032.52 | $252.71 | $1680.96 | $140.08 | $0.00 | $0.00 | $0.00 | $1862.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.044 | 1.044 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 4445.97 | 2.4 | 25416.47 | 13.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054787 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2003.06 | Yes | 18.000% | $3591.24 | $299.27 | $1119.00 | $93.25 | $0.00 | $0.00 | $0.00 | $2395.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.19 | 1.19 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1179.99 | 0.5 | 10277.11 | 4.3 | No | 69.02 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054791 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $931.34 | Yes | 18.000% | $1319.52 | $109.96 | $1869.96 | $155.83 | $0.00 | $0.00 | $0.00 | $1197.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.128 | 1.128 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Other | VISA | N/A | United States of America | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 35330.26 | 29.5 | 35330.26 | 29.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054793 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1313.86 | Yes | 18.000% | $2346.48 | $195.54 | $1074.96 | $89.58 | $0.00 | $0.00 | $0.00 | $1598.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.074 | 1.074 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 4096.62 | 2.6 | 24624.24 | 15.4 | No | 62.11 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054796 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $896.74 | Yes | 18.000% | $2792.76 | $232.73 | $901.92 | $75.16 | $0.00 | $0.00 | $0.00 | $1204.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.287 | 1.287 | N/A | Borrower | Borrower | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | USA | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1336.71 | 1.1 | 117258.40 | 97.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054797 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1423.98 | Yes | 18.000% | $3365.52 | $280.46 | $1930.44 | $160.87 | $0.00 | $0.00 | $0.00 | $1865.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.287 | 1.287 | N/A | Borrower | Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 9219.91 | 4.9 | 39011.63 | 20.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054799 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1355.45 | Yes | 18.000% | $1940.52 | $161.71 | $987.00 | $82.25 | $0.00 | $0.00 | $0.00 | $1599.41 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.032 | 1 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | USA | XXXX |  | XXXX | H-1B Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 61900.53 | 38.7 | 61900.53 | 38.7 | No | 61.33 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054802 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1077.61 | Yes | 18.000% | $1773.60 | $147.80 | $893.04 | $74.42 | $0.00 | $0.00 | $0.00 | $1299.83 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.1 | 1.1 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8155.00 | 6.3 | 76338.51 | 58.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054811 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $875.89 | Yes | 18.000% | $3316.32 | $276.36 | $1544.04 | $128.67 | $0.00 | $0.00 | $0.00 | $1280.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.171 | 1.171 | N/A | Borrower | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 10628.64 | 8.3 | 175170.73 | 136.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054812 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1188.66 | Yes | 18.000% | $5652.00 | $471.00 | $2742.00 | $228.50 | $0.00 | $0.00 | $0.00 | $1888.16 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.006 | 1.006 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 3164.87 | 1.7 | 159113.91 | 84.3 | No | 59.65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054814 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $879.68 | Yes | 18.000% | $1599.00 | $133.25 | $1199.88 | $99.99 | $0.00 | $0.00 | $0.00 | $1112.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.348 | 1.348 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | DC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 102.94 | 0.1 | 104980.01 | 94.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054817 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1761.97 | Yes | 18.000% | $875.16 | $72.93 | $557.04 | $46.42 | $1188.00 | $99.00 | $0.00 | $1980.32 |  | N/A | XXXX | NV | $99.00 | 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 | 1.01 | 1.01 | N/A | Borrower | Borrower | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 918279.54 | 463.7 | 915279.54 | 462.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9054818 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1038.30 | Yes | 18.000% | $725.28 | $60.44 | $2301.00 | $191.75 | $0.00 | $0.00 | $0.00 | $1290.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.038 | 1.038 | N/A | Borrower | Borrower | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 228599.02 | 177.1 | 228599.02 | 177.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054820 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1477.60 | Yes | 18.000% | $1244.52 | $103.71 | $1593.00 | $132.75 | $0.00 | $0.00 | $0.00 | $1714.06 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.75 | 1.75 | N/A | Borrower | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 3588.07 | 2.1 | 196828.60 | 114.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054826 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $870.08 | Yes | 18.000% | $1837.56 | $153.13 | $1319.76 | $109.98 | $0.00 | $0.00 | $0.00 | $1133.19 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.156 | 1.156 | N/A | Borrower | Borrower | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 8551.94 | 7.5 | 122450.85 | 108.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054830 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $570.99 | Yes | 18.000% | $1287.24 | $107.27 | $669.96 | $55.83 | $0.00 | $0.00 | $0.00 | $734.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.635 | 1.542 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 17337.17 | 23.6 | 88007.29 | 119.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054832 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1555.24 | Yes | 18.000% | $5232.96 | $436.08 | $2726.04 | $227.17 | $0.00 | $0.00 | $0.00 | $2218.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.262 | 1.262 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 73429.63 | 33.1 | 291968.65 | 131.6 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054842 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2148.02 | Yes | 18.000% | $1326.00 | $110.50 | $1548.00 | $129.00 | $0.00 | $0.00 | $0.00 | $2387.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.215 | 1.215 | N/A | Borrower | Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 15339.95 | 6.4 | 137823.92 | 57.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054847 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1182.07 | Yes | 18.000% | $1056.60 | $88.05 | $693.00 | $57.75 | $0.00 | $0.00 | $0.00 | $1327.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.002 | 1.002 | N/A | Borrower | Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 5189.64 | 3.9 | 80121.06 | 60.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054849 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1061.69 | Yes | 18.000% | $2128.68 | $177.39 | $849.96 | $70.83 | $7200.00 | $600.00 | $0.00 | $1909.91 |  | Yes | XXXX | FL | $600.00 | 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 | 1.079 | 1.065 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 37337.55 | 19.5 | 174581.64 | 91.4 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054853 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1139.55 | Yes | 18.000% | $3311.52 | $275.96 | $2541.00 | $211.75 | $0.00 | $0.00 | $0.00 | $1627.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.005 | 1.007 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 278500.02 | 171.1 | 304692.04 | 187.2 | No | 70.93 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054856 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1968.29 | Yes | 18.000% | $3684.96 | $307.08 | $666.00 | $55.50 | $0.00 | $0.00 | $0.00 | $2330.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.073 | 1.073 | N/A | Borrower | Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 93652.02 | 40.2 | 135846.20 | 58.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054866 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $993.62 | Yes | 18.000% | $1211.52 | $100.96 | $789.00 | $65.75 | $0.00 | $0.00 | $0.00 | $1160.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.146 | 1.146 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 14735.44 | 12.7 | 52536.39 | 45.3 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9054767 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | $4442.86 | Yes | 18.000% | $11471.16 | $955.93 | $4935.60 | $411.30 | $0.00 | $0.00 | $0.00 | $5810.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.43 | 1.43 | N/A | Borrower | Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 5014.14 | 0.9 | 212108.82 | 36.5 | Yes | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9054838 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $9621.51 | Yes | 18.000% | $15874.44 | $1322.87 | $8013.00 | $667.75 | $0.00 | $0.00 | $0.00 | $11612.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.094 | 1.094 | N/A | Borrower | Borrower | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 3996.66 | 0.3 | 433085.86 | 37.3 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9069059 | XXXX | 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 |  | 01/10/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.481% |  | 8.250% | 8.250% | $2381.52 | No |  | $1975.20 | $164.60 | $2540.88 | $211.74 | $0.00 | $0.00 | $0.00 | $2757.86 | $18713.14 | N/A | XXXX |  | $0.00 | XXXX |  | 25.73% | 25.73% | 25.73% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 305069.55 | 110.6 | No | 61.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069074 |  | 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 |  | 01/08/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.039% |  | 7.875% | 7.875% | $2755.26 | No |  | $9338.88 | $778.24 | $2318.04 | $193.17 | $2199.96 | $183.33 | $0.00 | $3910.00 | $13003.00 | N/A | XXXX | TX | $183.33 | XXXX | Annually | 30.41% | 30.41% | 30.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 YR 1099 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp - 1 YR 1099 Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 73040.47 | 18.7 | 73040.47 | 18.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069048 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1492.82 | No |  | $856.32 | $71.36 | $1560.96 | $130.08 | $0.00 | $0.00 | $0.00 | $1694.26 | $64370.60 | N/A | XXXX |  | $0.00 | XXXX |  | 15.70% | 13.32% | 13.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 128896.75 | 76.1 | 128896.75 | 76.1 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069034 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2227.43 | No |  | $4915.44 | $409.62 | $950.04 | $79.17 | $0.00 | $0.00 | $0.00 | $2716.22 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1 | N/A | Borrower | Borrower | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | Employment Authorization Document/Card [I-821/I-766] |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 10955.44 | 4 | 10955.44 | 4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9069073 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $3536.14 | No |  | $9879.36 | $823.28 | $5448.60 | $454.05 | $0.00 | $0.00 | $0.00 | $4813.47 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.039 | 1.039 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 182057.72 | 37.8 | 182057.72 | 37.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069069 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $4301.64 | No |  | $1278.12 | $106.51 | $1947.96 | $162.33 | $0.00 | $0.00 | $0.00 | $4570.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.138 | 1.14 | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 571599.89 | 125.1 | No | 61.12 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069065 |  | 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 |  | 01/10/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.839% |  | 7.500% | 7.500% | $1150.21 | No |  | $1380.48 | $115.04 | $864.96 | $72.08 | $0.00 | $0.00 | $0.00 | $1337.33 | $3203.60 | N/A | XXXX |  | $0.00 | XXXX |  | 36.02% | 36.02% | 36.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 13500.06 | 10.1 | 168512.33 | 126 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069053 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 7.763% |  | 7.500% | 7.500% | $2531.16 | No |  | $2443.32 | $203.61 | $1188.96 | $99.08 | $240.00 | $20.00 | $0.00 | $2853.85 | $14350.17 | N/A | XXXX | UT | $20.00 | XXXX | Monthly | 23.59% | 23.59% | 23.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 5459.06 | 1.9 | 106555.94 | 37.3 | No | 65.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069064 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 7.914% |  | 7.625% | 7.625% | $4954.56 | No |  | $16429.80 | $1369.15 | $8475.96 | $706.33 | $2550.00 | $212.50 | $0.00 | $7242.54 | $47150.75 | N/A | XXXX | UT | $212.50 | XXXX | Annually | 18.15% | 18.15% | 18.15% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Asset Depletion \|\| Co Borrower - 2024 - 2024 | Borrower \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 681480.34 | 94.1 | No | 19.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069020 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $7410.90 | No |  | $13711.56 | $1142.63 | $1202.04 | $100.17 | $0.00 | $0.00 | $0.00 | $8653.70 | $45379.52 | N/A | XXXX |  | $0.00 | XXXX |  | 42.28% | 41.49% | 41.49% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 486297.28 | 56.2 | 486297.28 | 56.2 | No | 59.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069045 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1074.62 | No |  | $5747.52 | $478.96 | $2250.96 | $187.58 | $0.00 | $0.00 | $0.00 | $1741.16 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 2.929 | 2.92 | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 137943.84 | 79.2 | No | 24.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069072 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1454.37 | No |  | $4138.56 | $344.88 | $1648.92 | $137.41 | $0.00 | $0.00 | $0.00 | $1936.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.03 | 1.03 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 341312.93 | 176.2 | 341312.93 | 176.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069022 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1048.82 | No |  | $1995.36 | $166.28 | $804.00 | $67.00 | $0.00 | $0.00 | $0.00 | $1282.10 | $7312.01 | N/A | XXXX |  | $0.00 | XXXX |  | 30.77% | 30.77% | 30.77% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 155240.34 | 121.1 | 155240.34 | 121.1 | No | 47.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069044 |  | 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 |  | 01/10/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.109% |  | 7.750% | 7.750% | $1231.42 | No |  | $1715.76 | $142.98 | $1530.00 | $127.50 | $0.00 | $0.00 | $0.00 | $1501.90 | $2548.04 | N/A | XXXX |  | $0.00 | XXXX |  | 49.02% | 49.02% | 49.02% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 70.88% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Retirement, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Retirement - 2024 - 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 43937.95 | 35.5 | No | 35.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069052 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1596.11 | No |  | $5732.88 | $477.74 | $974.04 | $81.17 | $0.00 | $0.00 | $0.00 | $2155.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.195 | 1.195 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | NIGERIA | XXXX | NIGERIA | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | ITIN Credit Report | 432680.15 | 200.8 | 432680.15 | 200.8 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069079 |  | 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 |  | 12/27/2024 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.612% |  | 8.375% | 8.375% | $3260.71 | No |  | $1241.04 | $103.42 | $3944.16 | $328.68 | $600.00 | $50.00 | $0.00 | $3742.81 | $11546.19 | N/A | XXXX | TX | $50.00 | XXXX | Annually | 32.08% | 32.08% | 32.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 2+ Months NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 409837.37 | 109.5 | No | 72.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069037 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 11.000% | 11.000% | $1966.55 | No |  | $2365.68 | $197.14 | $1443.00 | $120.25 | $0.00 | $0.00 | $0.00 | $2283.94 | $20545.74 | N/A | XXXX |  | $0.00 | XXXX |  | 42.71% | 48.90% | 48.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 628 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 92919.63 | 40.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069030 |  | 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 |  | 01/29/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.230% |  | 7.000% | 7.000% | $3060.39 | No |  | $4358.16 | $363.18 | $993.96 | $82.83 | $0.00 | $0.00 | $0.00 | $3506.40 | $7854.02 | N/A | XXXX |  | $0.00 | XXXX |  | 36.56% | 37.46% | 37.46% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, N/A - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 65729.48 | 18.8 | 65729.48 | 18.8 | No | 28.66 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069026 |  | 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 |  | 01/27/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 9.292% |  | 8.875% | 8.875% | $3246.23 | No |  | $1847.16 | $153.93 | $4832.04 | $402.67 | $0.00 | $0.00 | $0.00 | $3802.83 | $15014.52 | N/A | XXXX |  | $0.00 | XXXX |  | 34.41% | 34.41% | 34.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - Other - 1 YR 1099 Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 134872.48 | 35.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069041 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 9.405% |  | 9.125% | 9.125% | $3174.39 | No |  | $2985.36 | $248.78 | $1061.04 | $88.42 | $0.00 | $0.00 | $0.00 | $3511.59 | $59228.27 | N/A | XXXX |  | $0.00 | XXXX |  | 20.37% | 20.37% | 20.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 61740.97 | 17.6 | 61740.97 | 17.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069067 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1790.72 | No |  | $856.68 | $71.39 | $919.32 | $76.61 | $0.00 | $0.00 | $0.00 | $1938.72 | $8138.67 | N/A | XXXX |  | $0.00 | XXXX |  | 42.61% | 33.32% | 33.32% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | 293 | ID | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 68753.79 | 35.5 | 68857.44 | 35.5 | No | 72.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069057 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.500% | 8.500% | $1683.92 | No |  | $4486.92 | $373.91 | $875.04 | $72.92 | $474.96 | $39.58 | $0.00 | $2170.33 |  | N/A | XXXX | GA | $39.58 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.198 | 1.198 | N/A | Borrower | Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | NIGERIA | XXXX | NIGERIA | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | ITIN Credit Report | 70438.79 | 32.5 | 70438.79 | 32.5 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069075 |  | 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 |  | 02/11/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 9.042% |  | 8.625% | 8.625% | $2793.04 | No |  | $5421.96 | $451.83 | $1577.04 | $131.42 | $0.00 | $0.00 | $0.00 | $3376.29 | $5765.45 | N/A | XXXX |  | $0.00 | XXXX |  | 42.19% | 42.12% | 42.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 325200.08 | 96.3 | 325200.08 | 96.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069066 |  | 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 |  | 02/03/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.517% |  | 7.250% | 7.250% | $1964.67 | No |  | $3777.48 | $314.79 | $825.00 | $68.75 | $0.00 | $0.00 | $0.00 | $2348.21 | $2805.11 | N/A | XXXX |  | $0.00 | XXXX |  | 52.29% | 49.88% | 49.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 53.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 56876.73 | 24.2 | No | 57.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069054 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1178.11 | No |  | $4866.00 | $405.50 | $2865.24 | $238.77 | $0.00 | $0.00 | $0.00 | $1822.38 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.613 | 1.613 | N/A | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 46414.98 | 25.5 | No | 37.8 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069036 |  | 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 |  | 01/27/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.785% |  | 7.500% | 7.500% | $3859.66 | No |  | $4469.52 | $372.46 | $1727.04 | $143.92 | $0.00 | $0.00 | $0.00 | $4376.04 | $19334.04 | N/A | XXXX |  | $0.00 | XXXX |  | 38.36% | 38.36% | 38.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 454907.43 | 104 | 454907.43 | 104 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069019 |  | 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 |  | 02/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.800% |  | 7.625% | 7.625% | $5039.49 | No |  | $3141.00 | $261.75 | $3963.00 | $330.25 | $2652.00 | $221.00 | $0.00 | $5852.49 | $13918.51 | N/A | XXXX | ID | $221.00 | XXXX | Monthly | 35.79% | 35.79% | 35.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | ID | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 222078.63 | 38 | 222078.63 | 38 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069056 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $1288.72 | No |  | $4405.92 | $367.16 | $1636.32 | $136.36 | $200.04 | $16.67 | $0.00 | $1808.91 |  | N/A | XXXX | IN | $16.67 | XXXX | Annually | 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 | 1.106 | 1.106 | N/A | Borrower | Borrower | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 629 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 34925.05 | 19.3 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069021 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $8620.93 | No |  | $46430.40 | $3869.20 | $10077.00 | $839.75 | $999.96 | $83.33 | $0.00 | $13413.21 |  | N/A | XXXX | TX | $83.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.383 | 1.383 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 98968.50 | 7.4 | 103341.97 | 7.7 | No | 39.67 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069042 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $1283.97 | No |  | $6534.84 | $544.57 | $3034.44 | $252.87 | $0.00 | $0.00 | $0.00 | $2081.41 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | Yes | 1.033 | 1.033 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 175084.29 | 84.1 | 348521.87 | 167.5 | No | 63.02 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069063 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $2533.84 | No |  | $6919.92 | $576.66 | $2891.04 | $240.92 | $0.00 | $0.00 | $0.00 | $3351.42 | $13635.84 | N/A | XXXX |  | $0.00 | XXXX |  | 43.55% | 34.66% | 34.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 12563.32 | 3.7 | 31458.78 | 9.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069050 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 7.566% |  | 7.375% | 7.375% | $4208.62 | No |  | $15087.00 | $1257.25 | $7223.76 | $601.98 | $3216.00 | $268.00 | $0.00 | $6335.85 | $98021.09 | N/A | XXXX | FL | $268.00 | XXXX | Monthly | 7.74% | 7.73% | 7.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 55290.00 | 8.7 | 55290.00 | 8.7 | No | 57.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069029 |  | 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 |  | 01/09/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.603% |  | 8.500% | 8.500% | $15070.70 | No |  | $13339.80 | $1111.65 | $15682.68 | $1306.89 | $0.00 | $0.00 | $0.00 | $17489.24 | $36211.14 | N/A | XXXX |  | $0.00 | XXXX |  | 32.89% | 32.87% | 32.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 60.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 652 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11 | XXXX | XXXX | 5 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 1369.32 | 0.1 | No | 58.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069071 |  | 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 |  | 02/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 9.400% |  | 9.000% | 9.000% | $2679.39 | No |  | $1576.92 | $131.41 | $1047.00 | $87.25 | $159.96 | $13.33 | $0.00 | $2911.38 | $12064.62 | N/A | XXXX | DE | $13.33 | XXXX | Annually | 33.42% | 33.12% | 33.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | DE | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 66727.45 | 22.9 | 66727.45 | 22.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069039 |  | 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 |  | 02/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.662% |  | 7.500% | 7.500% | $10956.07 | No |  | $21249.96 | $1770.83 | $6172.32 | $514.36 | $0.00 | $0.00 | $0.00 | $13241.26 | $16804.41 | N/A | XXXX |  | $0.00 | XXXX |  | 46.04% | 46.04% | 46.04% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | W2 Verified | 2 YRS W2 | 0 | 2+ Months NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | Yes NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | US | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 1662750.15 | 154.2 | 1662750.15 | 154.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069038 |  | 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 |  | 01/28/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.693% |  | 7.625% | 7.625% | $7530.93 | No |  | $16625.04 | $1385.42 | $2730.00 | $227.50 | $0.00 | $0.00 | $0.00 | $9143.85 | $43118.17 | N/A | XXXX |  | $0.00 | XXXX |  | 26.29% | 26.83% | 26.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 358085.99 | 39.2 | 358085.99 | 39.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9069076 |  | 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 |  | 02/06/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.752% |  | 7.625% | 7.625% | $6964.69 | No |  | $5225.52 | $435.46 | $825.96 | $68.83 | $3600.00 | $300.00 | $0.00 | $7768.98 | $11153.71 | Yes | XXXX | HI | $300.00 | XXXX | Monthly | 41.54% | 41.38% | 41.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 51.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | HI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 225934.08 | 29.1 | 225934.08 | 29.1 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069070 |  | 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 |  | 01/07/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.823% |  | 7.500% | 7.500% | $2461.24 | No |  | $8774.64 | $731.22 | $4970.04 | $414.17 | $0.00 | $0.00 | $0.00 | $3606.63 | $54688.19 | N/A | XXXX |  | $0.00 | XXXX |  | 9.11% | 9.08% | 9.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 75519.68 | 20.9 | 75519.68 | 20.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069080 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.125% | 8.125% | $2268.23 | No |  | $2419.92 | $201.66 | $2466.00 | $205.50 | $0.00 | $0.00 | $0.00 | $2675.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.009 | 1 | N/A | Borrower | Borrower | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 29397.65 | 11 | 29397.65 | 11 | No | 77.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069060 |  | 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 |  | 02/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.557% |  | 7.500% | 7.500% | $11187.20 | No |  | $18144.84 | $1512.07 | $4188.12 | $349.01 | $7200.00 | $600.00 | $0.00 | $13648.28 | $28507.93 | N/A | XXXX | CA | $600.00 | XXXX | Monthly | 38.01% | 38.01% | 38.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 93504.97 | 6.9 | 411702.89 | 30.2 | No | 61.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069033 |  | 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 |  | 01/15/2025 | 6.980% | Manual Underwriting | Manual Underwriting | No | 7.720% |  | 7.625% | 7.625% | $9843.29 | No |  | $31785.96 | $2648.83 | $12601.44 | $1050.12 | $99.96 | $8.33 | $0.00 | $13550.57 | $80282.83 | N/A | XXXX | TX | $8.33 | XXXX | Annually | 24.10% | 24.10% | 24.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 111238.50 | 8.2 | No | 69.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069062 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 9.544% |  | 9.250% | 9.250% | $2924.61 | No |  | $1241.16 | $103.43 | $1377.24 | $114.77 | $0.00 | $0.00 | $0.00 | $3142.81 | $16580.60 | N/A | XXXX |  | $0.00 | XXXX |  | 18.25% | 18.25% | 18.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 57918.97 | 18.4 | 57918.97 | 18.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069023 |  | 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 |  | 02/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.544% |  | 7.375% | 7.375% | $4972.58 | No |  | $9600.00 | $800.00 | $966.00 | $80.50 | $756.00 | $63.00 | $0.00 | $5916.08 | $25396.33 | N/A | XXXX | WA | $63.00 | XXXX | Monthly | 20.68% | 20.68% | 20.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 35.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 260009.17 | 44 | 260009.17 | 44 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069035 |  | 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 |  | 01/23/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 9.790% |  | 9.375% | 9.375% | $2170.87 | No |  | $6294.48 | $524.54 | $3543.96 | $295.33 | $0.00 | $0.00 | $0.00 | $2990.74 | $9670.38 | N/A | XXXX |  | $0.00 | XXXX |  | 36.94% | 36.95% | 36.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 22387.16 | 7.5 | 22387.16 | 7.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069046 |  | 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 |  | 02/07/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.609% |  | 7.500% | 7.500% | $2553.31 | No |  | $2490.96 | $207.58 | $2186.28 | $182.19 | $2520.00 | $210.00 | $0.00 | $3153.08 | $33465.90 | N/A | XXXX | AZ | $210.00 | XXXX | Monthly | 14.31% | 14.31% | 14.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 99.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 232087.47 | 73.6 | 232087.47 | 73.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069031 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.990% | 8.990% | $2599.82 | No |  | $6197.40 | $516.45 | $1051.56 | $87.63 | $5400.00 | $450.00 | $0.00 | $3653.90 | $16145.50 | Yes | XXXX | CA | $450.00 | XXXX | Monthly | 41.89% | 47.54% | 47.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 78525.10 | 21.5 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9069047 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $1533.86 | No |  | $2365.44 | $197.12 | $2454.96 | $204.58 | $0.00 | $0.00 | $0.00 | $1935.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | 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 | 1.162 | 1.16 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 819 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 107389.64 | 55.5 | 107389.64 | 55.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9066869 |  | 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 |  | 02/11/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.416% |  | 7.375% | 7.375% | $3883.36 | No |  | $9029.64 | $752.47 | $1674.00 | $139.50 | $2964.00 | $247.00 | $0.00 | $5022.33 | $6246.22 | Yes | XXXX | VA | $247.00 | XXXX | Monthly | 44.95% | 44.95% | 44.95% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 60 | No | Yes | Yes | 3 | 0 | Yes | Yes | 3 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Asset Depletion - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 120738.39 | 24 | 120738.39 | 24 | No | 58.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9066891 |  | 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 |  | 02/11/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.059% |  | 7.999% | 7.999% | $7997.27 | No |  | $18600.00 | $1550.00 | $1713.96 | $142.83 | $0.00 | $0.00 | $0.00 | $9690.10 | $11802.66 | N/A | XXXX |  | $0.00 | XXXX |  | 45.24% | 45.24% | 45.24% | 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 |  |  |  | 90.62% | 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) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 54361.01 | 5.6 | 54361.01 | 5.6 | No | 73.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9066712 |  | 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 |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.104% |  | 7.750% | 7.750% | $2314.01 | No |  | $5311.20 | $442.60 | $2330.04 | $194.17 | $0.00 | $0.00 | $0.00 | $2950.78 | $6510.47 | N/A | XXXX |  | $0.00 | XXXX |  | 34.87% | 34.08% | 34.08% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 188 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | N/A | Mexico | XXXX |  | XXXX | Passport |  | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | CA | Mexico | XXXX | Mexico | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 27612.41 | 9.4 | 27612.41 | 9.4 | No | 50.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9066912 |  | 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 |  | 03/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.217% |  | 7.875% | 7.875% | $9462.16 | No |  | $7185.96 | $598.83 | $2592.96 | $216.08 | $0.00 | $0.00 | $0.00 | $10277.07 | $17814.03 | N/A | XXXX |  | $0.00 | XXXX |  | 39.17% | 38.84% | 38.84% | 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 - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 133219.25 | 13 | 133219.25 | 13 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127752 |  | 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 |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 9.226% |  | 8.750% | 8.750% | $5475.43 | No |  | $10875.00 | $906.25 | $2244.96 | $187.08 | $0.00 | $0.00 | $0.00 | $6568.76 | $18085.99 | N/A | XXXX |  | $0.00 | XXXX |  | 32.28% | 32.28% | 32.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use | USA Patriot Act | CA | United States | XXXX |  | XXXX | Entry Stamp |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 48679.22 | 7.4 | 48679.22 | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127757 |  | 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 |  | 03/31/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.919% |  | 8.499% | 8.499% | $4920.59 | No |  | $8530.80 | $710.90 | $1914.00 | $159.50 | $0.00 | $0.00 | $0.00 | $5790.99 | $15513.73 | N/A | XXXX |  | $0.00 | XXXX |  | 33.55% | 33.55% | 33.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified, null Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 158005.91 | 27.3 | 57340.89 | 9.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127713 |  | 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 |  | 04/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 9.295% |  | 8.875% | 8.875% | $5578.66 | No |  | $10311.24 | $859.27 | $1729.08 | $144.09 | $0.00 | $0.00 | $0.00 | $6582.02 | $11881.14 | N/A | XXXX |  | $0.00 | XXXX |  | 38.51% | 38.51% | 38.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 57834.18 | 8.8 | 57834.18 | 8.8 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127673 |  | 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 |  | 04/03/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.078% |  | 7.750% | 7.750% | $4059.72 | No |  | $5377.92 | $448.16 | $3444.96 | $287.08 | $0.00 | $0.00 | $0.00 | $4794.96 | $5530.66 | N/A | XXXX |  | $0.00 | XXXX |  | 49.09% | 47.96% | 47.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | MA | United States of America | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | 2597.81 | 0.5 | 2597.81 | 0.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127722 |  | 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 |  | 04/08/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.578% |  | 7.250% | 7.250% | $5244.23 | No |  | $7567.20 | $630.60 | $2819.04 | $234.92 | $0.00 | $0.00 | $0.00 | $6109.75 | $23340.50 | N/A | XXXX |  | $0.00 | XXXX |  | 27.26% | 27.26% | 27.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 327753.88 | 53.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

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